Rate & Fee Disclosure
Truth In Savings Disclosure (PDF)
Mortgage Servicing Calendar
Month | Event |
---|---|
January | Michigan tax bills are due | 1098 Forms are sent | Escrow analysis surplus checks mailed |
February | Ohio tax bills are due | Escrow analysis payment changes (effective February 1) |
May | Indiana tax bills are due | Escrow analysis completed |
June | Escrow analysis surplus checks are mailed |
July | Escrow analysis payment changes (effective July 1) | Ohio tax bills are due |
August | Michigan tax bills are due |
November | Indiana tax bills are due | Florida tax bills are due (annual-billed) |
December | Escrow analysis completed |
Mortgage Servicing Calendar
Month | Event |
---|---|
January | Michigan tax bills are due | 1098 Forms are sent | Escrow analysis surplus checks mailed |
February | Ohio tax bills are due | Escrow analysis payment changes (effective February 1) |
May | Indiana tax bills are due | Escrow analysis completed |
June | Escrow analysis surplus checks are mailed |
July | Escrow analysis payment changes (effective July 1) | Ohio tax bills are due |
August | Michigan tax bills are due |
November | Indiana tax bills are due | Florida tax bills are due (annual-billed) |
December | Escrow analysis completed |
Mortgage Servicing Calendar
Month | Event |
---|---|
January | Michigan tax bills are due | 1098 Forms are sent | Escrow analysis surplus checks mailed |
February | Ohio tax bills are due | Escrow analysis payment changes (effective February 1) |
May | Indiana tax bills are due | Escrow analysis completed |
June | Escrow analysis surplus checks are mailed |
July | Escrow analysis payment changes (effective July 1) | Ohio tax bills are due |
August | Michigan tax bills are due |
November | Indiana tax bills are due | Florida tax bills are due (annual-billed) |
December | Escrow analysis completed |
Mortgage Servicing Calendar
Month | Event |
---|---|
January | Michigan tax bills are due | 1098 Forms are sent | Escrow analysis surplus checks mailed |
February | Ohio tax bills are due | Escrow analysis payment changes (effective February 1) |
May | Indiana tax bills are due | Escrow analysis completed |
June | Escrow analysis surplus checks are mailed |
July | Escrow analysis payment changes (effective July 1) | Ohio tax bills are due |
August | Michigan tax bills are due |
November | Indiana tax bills are due | Florida tax bills are due (annual-billed) |
December | Escrow analysis completed |
Mortgage Servicing Calendar
Month | Event |
---|---|
January | Michigan tax bills are due | 1098 Forms are sent | Escrow analysis surplus checks mailed |
February | Ohio tax bills are due | Escrow analysis payment changes (effective February 1) |
May | Indiana tax bills are due | Escrow analysis completed |
June | Escrow analysis surplus checks are mailed |
July | Escrow analysis payment changes (effective July 1) | Ohio tax bills are due |
August | Michigan tax bills are due |
November | Indiana tax bills are due | Florida tax bills are due (annual-billed) |
December | Escrow analysis completed |
Mortgage Servicing Calendar
Month | Event |
---|---|
January | Michigan tax bills are due | 1098 Forms are sent | Escrow analysis surplus checks mailed |
February | Ohio tax bills are due | Escrow analysis payment changes (effective February 1) |
May | Indiana tax bills are due | Escrow analysis completed |
June | Escrow analysis surplus checks are mailed |
July | Escrow analysis payment changes (effective July 1) | Ohio tax bills are due |
August | Michigan tax bills are due |
November | Indiana tax bills are due | Florida tax bills are due (annual-billed) |
December | Escrow analysis completed |
Mortgage Servicing Calendar
Month | Event |
---|---|
January | Michigan tax bills are due | 1098 Forms are sent | Escrow analysis surplus checks mailed |
February | Ohio tax bills are due | Escrow analysis payment changes (effective February 1) |
May | Indiana tax bills are due | Escrow analysis completed |
June | Escrow analysis surplus checks are mailed |
July | Escrow analysis payment changes (effective July 1) | Ohio tax bills are due |
August | Michigan tax bills are due |
November | Indiana tax bills are due | Florida tax bills are due (annual-billed) |
December | Escrow analysis completed |
Mortgage Servicing Calendar
Month | Event |
---|---|
January | Michigan tax bills are due | 1098 Forms are sent | Escrow analysis surplus checks mailed |
February | Ohio tax bills are due | Escrow analysis payment changes (effective February 1) |
May | Indiana tax bills are due | Escrow analysis completed |
June | Escrow analysis surplus checks are mailed |
July | Escrow analysis payment changes (effective July 1) | Ohio tax bills are due |
August | Michigan tax bills are due |
November | Indiana tax bills are due | Florida tax bills are due (annual-billed) |
December | Escrow analysis completed |
* 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.