Rate & Fee Disclosure

Oversight Advantage Coverage

Last updated: 8/1/2025

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

_{** 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.}

Oversight Advantage Coverage

Last updated: 8/1/2025

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

Oversight Advantage Coverage

Last updated: 8/1/2025

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

Oversight Advantage Coverage

Last updated: 8/1/2025

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

Oversight Advantage Coverage

Last updated: 8/1/2025

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

Oversight Advantage Coverage

Last updated: 8/1/2025

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

Oversight Advantage Coverage

Last updated: 8/1/2025

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

Oversight Advantage Coverage

Last updated: 8/1/2025

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

_{* 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.}