Rate & Fee Disclosure

Savings

Last updated: 8/1/2025

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) Fee	$10.00
Overdraft Fee	$33.00
Overdraft Protection Transfer	$3.00

Checking

Last updated: 8/1/2025

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) Fee **	$10.00
Overdraft Fee	$33.00
Overdraft Protection Transfer	$3.00
Stop Payment (each or series)	$33.00

Card

Last updated: 8/1/2025

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: 8/1/2025

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.
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	$35.00
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 Plus Money Market - Monthly Maintenance Fee on Balances Less Than $10,000	$15.00
Monthly Inactive Fee******	$3.00
Official Check	$5.00
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	$6.00
Returned Mail	$5.00

Pay a Person: Send/Receive

Last updated: 8/1/2025

Type	Amount	Instant Transfer Fee	Next Day Fee
Send	Any Amount	Free	Free
Receive	Any Amount	$1.00	Free

Safe Deposit Box

Last updated: 8/1/2025

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.}