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Rate & Fee Disclosure

Truth In Savings Disclosure (PDF)

HSA High Deductible Qualification

Last updated: 8/8/2022
HDHP Coverage Min. Annual Deductible Max. Annual Deductible and Other Out-of-Pocket Expenses*
2020 High Deductible Health Plan Qualification
Individual Insurance $1,400 $6,900
Family Insurance $2,800 $13,800
2021 High Deductible Health Plan Qualification
Individual Insurance $1,400 $7,000
Family Insurance $2,800 $14,000

*This limit does not apply to deductibles and expenses for out-of-network services if the plan uses a network of providers. Instead, only deductibles and out-of-pocket expenses for services within the network should be used to figure whether the limit applies.

HSA High Deductible Qualification

Last updated: 8/8/2022
HDHP Coverage Min. Annual Deductible Max. Annual Deductible and Other Out-of-Pocket Expenses*
2020 High Deductible Health Plan Qualification
Individual Insurance $1,400 $6,900
Family Insurance $2,800 $13,800
2021 High Deductible Health Plan Qualification
Individual Insurance $1,400 $7,000
Family Insurance $2,800 $14,000

*This limit does not apply to deductibles and expenses for out-of-network services if the plan uses a network of providers. Instead, only deductibles and out-of-pocket expenses for services within the network should be used to figure whether the limit applies.

HSA High Deductible Qualification

Last updated: 8/8/2022
HDHP Coverage Min. Annual Deductible Max. Annual Deductible and Other Out-of-Pocket Expenses*
2020 High Deductible Health Plan Qualification
Individual Insurance $1,400 $6,900
Family Insurance $2,800 $13,800
2021 High Deductible Health Plan Qualification
Individual Insurance $1,400 $7,000
Family Insurance $2,800 $14,000

*This limit does not apply to deductibles and expenses for out-of-network services if the plan uses a network of providers. Instead, only deductibles and out-of-pocket expenses for services within the network should be used to figure whether the limit applies.

HSA High Deductible Qualification

Last updated: 8/8/2022
HDHP Coverage Min. Annual Deductible Max. Annual Deductible and Other Out-of-Pocket Expenses*
2020 High Deductible Health Plan Qualification
Individual Insurance $1,400 $6,900
Family Insurance $2,800 $13,800
2021 High Deductible Health Plan Qualification
Individual Insurance $1,400 $7,000
Family Insurance $2,800 $14,000

*This limit does not apply to deductibles and expenses for out-of-network services if the plan uses a network of providers. Instead, only deductibles and out-of-pocket expenses for services within the network should be used to figure whether the limit applies.

HSA High Deductible Qualification

Last updated: 8/8/2022
HDHP Coverage Min. Annual Deductible Max. Annual Deductible and Other Out-of-Pocket Expenses*
2020 High Deductible Health Plan Qualification
Individual Insurance $1,400 $6,900
Family Insurance $2,800 $13,800
2021 High Deductible Health Plan Qualification
Individual Insurance $1,400 $7,000
Family Insurance $2,800 $14,000

*This limit does not apply to deductibles and expenses for out-of-network services if the plan uses a network of providers. Instead, only deductibles and out-of-pocket expenses for services within the network should be used to figure whether the limit applies.

HSA High Deductible Qualification

Last updated: 8/8/2022
HDHP Coverage Min. Annual Deductible Max. Annual Deductible and Other Out-of-Pocket Expenses*
2020 High Deductible Health Plan Qualification
Individual Insurance $1,400 $6,900
Family Insurance $2,800 $13,800
2021 High Deductible Health Plan Qualification
Individual Insurance $1,400 $7,000
Family Insurance $2,800 $14,000

*This limit does not apply to deductibles and expenses for out-of-network services if the plan uses a network of providers. Instead, only deductibles and out-of-pocket expenses for services within the network should be used to figure whether the limit applies.

HSA High Deductible Qualification

Last updated: 8/8/2022
HDHP Coverage Min. Annual Deductible Max. Annual Deductible and Other Out-of-Pocket Expenses*
2020 High Deductible Health Plan Qualification
Individual Insurance $1,400 $6,900
Family Insurance $2,800 $13,800
2021 High Deductible Health Plan Qualification
Individual Insurance $1,400 $7,000
Family Insurance $2,800 $14,000

*This limit does not apply to deductibles and expenses for out-of-network services if the plan uses a network of providers. Instead, only deductibles and out-of-pocket expenses for services within the network should be used to figure whether the limit applies.

HSA High Deductible Qualification

Last updated: 8/8/2022
HDHP Coverage Min. Annual Deductible Max. Annual Deductible and Other Out-of-Pocket Expenses*
2020 High Deductible Health Plan Qualification
Individual Insurance $1,400 $6,900
Family Insurance $2,800 $13,800
2021 High Deductible Health Plan Qualification
Individual Insurance $1,400 $7,000
Family Insurance $2,800 $14,000

*This limit does not apply to deductibles and expenses for out-of-network services if the plan uses a network of providers. Instead, only deductibles and out-of-pocket expenses for services within the network should be used to figure whether the limit applies.

* 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. An account with $1,000+ in assets or holder is under the age of 18 is exempt from this fee.

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