Skip to Main Content
Become A Member Schedule Appointment Rates Contact/Locations Routing #274973222

 Rate & Fee Disclosure 

Truth In Savings Disclosure (PDF)

Checking

Last updated: 2/10/2025
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

Checking

Last updated: 2/10/2025
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

Checking

Last updated: 2/10/2025
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

Checking

Last updated: 2/10/2025
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

Checking

Last updated: 2/10/2025
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

Checking

Last updated: 2/10/2025
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

Checking

Last updated: 2/10/2025
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

Checking

Last updated: 2/10/2025
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

* 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.

Return to the top of the page