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 Rate & Fee Disclosure 

Truth In Savings Disclosure (PDF)

Savings

Last updated: 11/1/2024
Share Savings Account Fees Fee Amount

Standard Savings Account Monthly Maintenance*

  • You maintain an active 3Rivers checking account,
  • You receive eStatements instead of paper statements mailed through the USPS,
  • Your Standard Savings account maintains a minimum daily balance* of at least $500,
  • Your individual combined relationship** is a minimum daily balance* of at least $2,500,
  • Your Standard Savings account is 60 days old or less.
$5.00
NSF (Non-Sufficient Funds) Paid / Rejected $33.00 / $10.00
Overdraft Protection Transfer $3.00

Checking

Last updated: 11/1/2024
Checking Account Fees Fee Amount

Standard Checking Account Monthly Maintenance (free for 60 days)

Waived if ANY ONE of the following is true:

  • You receive eStatements instead of paper statements mailed through the USPS,
  • Your Standard Checking account maintains a minimum daily balance* of at least $1,000,
  • Your individual combined relationship** is a minimum daily balance* of at least $5,000,
  • Your Standard Checking account is 60 days old or less.
$5.00
ATM/POS Overdraft*** (opt-in required) $33.00
Balancing Check Book (hourly rate) $20.00
Check Orders Varies
Copies of Drafts (per item) $3.00
Dividends+ Checking Fee (if requirements not met) $5.00
NSF (Non-Sufficient Funds) Paid / Rejected ** $33.00 / $10.00
Onward Checking Monthly Fee $8.00
Overdraft Protection Transfer $3.00
Stop Payment (each or series) $33.00

Card

Last updated: 10/1/2024
Credit / Debit Card Fee Fee Amount
ATM/Credit/Mastercard Check Replacement Card $10.00
ATM Empty Envelope Deposit $30.00
Non 3Rivers ATM**** (per transaction) $1.00

Other Misc. Fees

Last updated: 11/1/2024
Fee Fee Amount
ACH Reject/Correction $5.00
Buy & Selling Foreign Currency
  • There is a $5.00 nonrefundable service fee for all orders (both buy and sell request).
  • An additional $15.00 service fee will be added for orders under $500.00.
  • An additional $15.00 service fee will be applied for expedited shipping.
Cashier’s Check $5.00
Check Cashing* - 3Rivers Member Free
Check Cashing* - Non-3Rivers Member (check is drawn from a 3Rivers account) $3.00
Closed Account (if closed within 45 days) $25.00
Coin Counting (limited locations) - 3Rivers Member Free
Coin Counting (limited locations) - Non-3Rivers Member Equal to 10% of counted value
Copy of Statement (per statement) $5.00
Domestic ACH Modification Fee $15.00
Domestic ACH set-up $15.00
Escheatment Fee $30.00
Foreign Item Check Processing - All Other $35.00
Foreign Item Check Processing - Canadian $25.00
HSA Account Closure Fee (effective 3/1/18) $25.00
HSA Transfer Out Fee (effective 3/1/18) $25.00
Incoming Wire Transfers $10.00
International ACH Modification Fee $40.00
International ACH Monthly Maintenance Fee $5.00
International ACH set-up $40.00
IRA annual maintenance fee (on accounts under $1,000. Beginning 1/31/19) $10.00
IRA or SEP Account Closure $25.00
IRA or SEP Premature Withdrawals $10.00
IRA Transfer Out Fee (effective 3/1/18) $25.00
Levy/Garnishment $20.00
Money Order $5.00
Money Plus Money Market - Monthly Maintenance Fee on Balances Less Than $10,000 $15.00
Monthly Inactive Fee****** $3.00
OMA Money Market - Monthly Maintenance Incurred on Balances Less Than $5,000 $10.00
Online Access Business ACH Monthly Maintenance Fee $25.00
Outgoing Domestic Wire fee $15.00 Recurring / $25.00 New
Outgoing International Wire fee International - U.S. Correspondent $15.00/$25.00
Outgoing International Wire fee International U.S. Dollar/Foreign Currency, $40.00/$25.00
Re-Open Account (if re-opened within 45 days) $15.00
Returned Deposit $25.00
Returned Mail $5.00
Returned Mail Fee $3.00

Pay a Person: Send/Receive

Last updated: 4/11/2022
Type Amount Instant Transfer Fee Next Day Fee
Send Any Amount Free Free
Receive Any Amount $1.00 Free

Safe Deposit Box

Last updated: 10/1/2024
Safe Deposit Box Fees Locations Offered
Fee Amount
Safe Deposit Box with Dimensions of 2x5 Annual Rental Fee New Haven $25.00
Safe Deposit Box with Dimensions of 3x5 Annual Rental Fee New Haven, Northland, Richmond Eastside $30.00
Safe Deposit Box with Dimensions of 5x5 Annual Rental Fee Dupont, New Haven, Northland, West Jefferson $50.00
Safe Deposit Box with Dimensions of 3x10 Annual Rental Fee Dupont, New Haven, Northland, West Jefferson, Richmond Eastside $55.00
Safe Deposit Box with Dimensions of 5x10 Annual Rental Fee Dupont, New Haven, West Jefferson, Richmond Eastside $70.00
Safe Deposit Box with Dimensions of 10x10 Annual Rental Fee Dupont, West Jefferson, Richmond Eastside $120.00
Late Payment Fee After 30 Days $10.00

* Individuals under age 18 are exempt from these fees.

** Fee applies when overdraft is created by check, in-person withdrawal, or other electronic means.

***Fee applies when overdraft is created during an ATM or one-time debit transaction. Affirmative consent (opt-in) is required.

**** A Non 3Rivers transaction is considered an inquiry, transfer, deposit or withdrawal on any non-3Rivers owned ATM.  This fee does not apply to transactions on Rhythm (Epic) or Livin' Free Checking Accounts.

***** A Point-of-Sale (POS) transaction can mean a retail shop, a checkout counter in a shop, or the location where a transaction occurs. More specifically, the point-of-sale often refers to the hardware and software used for checkouts – the equivalent of an electronic cash register.

****** No activity on account for 12 months. IRA accounts and accounts with $1,000+ in assets or primary owner is under the age of 18 are exempt from this fee.

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