Oversight Advantage

Oversight Advantage is a discretionary service provided to members in good standing with eligible accounts to cover accidental overdrafts. If you inadvertently overdraw your account, we have the discretion to cover your overdrafts up to a set limit as outlined in our Master Agreement. (Our Master Agreement is available upon request. Please ask one of our team members – or give us a call at 260.490.8328 – for more information.)

This service helps you complete your important transactions and prevents the embarrassment or inconvenience of your transactions being declined or returned unpaid.

3Rivers' Oversight Advantage service is personalized to meet each checking accountholder’s needs. Your account overdraft limit will be evaluated daily and we will strive to pay transactions based upon your ability to repay an overdraft. Some factors that influence the daily limit include the amount and frequency of deposits and how long the account has been open.

As a benefit of your 3Rivers membership, Oversight Advantage is automatically available for checks and ACH transactions. We only approve and pay overdrafts for ATM and everyday debit card transactions if you ask us to.*

*For business accounts, Oversight Advantage automatically includes coverage of overdrafts for ATM and everyday debit card transactions.

Transactions Covered with Oversight Advantage Standard Coverage (No action required) Extended Coverage (Your consent required)*
Checks X X
ACH - Auto Debits X X
Recurring Debit Card Payments X X
Online Bill Pay Items X X
In-Person Withdrawals X X
ATM Withdrawals   X*
Everyday Debit Card Purchases   X*

* If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage.  If you have previously requested Extended Oversight Advantage coverage, it is not necessary to request it again.  Business accounts automatically have Extended Coverage.

Additionally, you can request that your overdrafts be covered first by available funds from an established credit line, your 3Rivers credit card, or another deposit account. You can also have  Oversight Advantage removed completely. To set up a transfer option or have Oversight Advantage removed from your account, please contact us at 800-825-3641 option 1.

How can I sign up?

If you authorize 3Rivers to pay overdrafts on ATM and everyday debit card transactions, you also agree that we may charge you a $33 fee each time such transactions occur. To authorize us to pay overdrafts on ATM and everyday debit card transactions, or to revoke your decision to have ATM and everyday debit transactions covered under Oversight Advantage, please click the button below:

Extend Oversight Advantage to my debit card

or send your request in writing to:

Attn: Internal Operations
P.O. Box 2573
Fort Wayne, IN 46801-2573
260-490-8328


Please review the following important information: 

Your account will be charged an overdraft fee of $33.00 for each item that is paid by Oversight Advantage. This is the same fee we charge for items drawn against insufficient funds and returned to the payee. 3Rivers uses your current balance when determining whether a transaction will cause your account to overdraw and for charging overdraft and NSF fees. Your current balance is the amount of money that is actually in your account at any given time. Your current balance reflects transactions that have “posted” to your account but it does not include transactions that have been authorized and are pending.

3Rivers has the discretion to pay your overdrafts but is not obligated to do so. We may withdraw or reduce the amount of this privilege at any time. An overdrawn balance must be repaid within 35 days or your Oversight Advantage limit may be removed. 

This service is offered as an additional benefit of doing business with 3Rivers. It is our pleasure to make this courtesy available to you as a means of expressing our appreciation for the confidence you have placed in 3Rivers by entrusting us with your financial relationship.