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The conversion of West End to 3Rivers is officially complete! Thank you for your patience today as our call center volume is high and wait times may be longer than usual. All branches are open with normal hours, and online and mobile access are up and running. LEARN MORE

We are currently experiencing an internet outage that has impacted our phone systems as well as access to online and mobile banking. We are working to resolve this as quickly as possible. Thank you for your patience.

Rate & Fee Disclosure

Truth In Savings Disclosure (PDF)

Savings

Last updated: 6/1/2020
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) $33.00
Overdraft Protection Transfer $10.00

Checking

Last updated: 6/1/2020
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
NSF/Uncollected Funds** $33.00
Onward Checking Monthly Fee $8.00
Overdraft Protection Transfer $10.00
Rhythm Checking Fee (if requirements not met) $5.00
Stop Payment (each or series) $33.00

Card

Last updated: 6/1/2020
Credit / Debit Card Fee Fee Amount
ATM/Credit/Mastercard Check Replacement Card $10.00
Foreign ATM Machine**** (per transaction) $1.00

Other Misc. Fees

Last updated: 6/1/2020
Fee Fee Amount
ACH NSF/Uncollected Fund Fee $33.00
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 $10.00 service fee will be added for orders under $200.00.
  • 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
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 $50.00 Recurring / $60.00 New
Quarterly Inactive Fee****** $10.00
Re-Open Account (if re-opened within 45 days) $15.00
Returned Deposit $25.00
Returned Mail $5.00
Returned Mail Fee $3.00

Popmoney: Send

Last updated: 6/1/2020
Send Amount 3 Business Day Fee Next Day Fee
$5.00 - $249.99 $0.00 $1.00
$250.00 - $999.99 $0.00 $1.00
$1,000 and above $0.00 $2.00

Popmoney: Receive

Last updated: 6/1/2020
Receive Amount 3 Business Day Fee Next Day Fee
$5.00 - $249.99 $0.50
$250.00 - $999.99 $0.75
$1,000 and above $1.50

Popmoney: General

Last updated: 6/1/2020
Type Fee
Stop Payment $20.00
E-Greetings $0.25

Safe Deposit Box

Last updated: 6/1/2020
Safe Deposit Box Fees Fee Amount
Safe Deposit Box with Dimensions of 2x5 Annual Rental Fee $25.00
Safe Deposit Box with Dimensions of 3x5 Annual Rental Fee $30.00
Safe Deposit Box with Dimensions of 5x5 Annual Rental Fee $50.00
Safe Deposit Box with Dimensions of 3x10 Annual Rental Fee $55.00
Safe Deposit Box with Dimensions of 5x10 Annual Rental Fee $65.00
Safe Deposit Box with Dimensions of 10x10 Annual Rental Fee $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 foreign 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. An account with $1,000 in assets or holder is under the age of 18 is exempt from this fee.

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