Skip to Main Content

Checking Accounts

Standard Checking

Our basic, no-frills checking account.

Our Standard Checking option gives you the security of housing your money at the credit union, along with the ability to use a Mastercard® debit card and write checks.

You can enhance your Standard Checking account with the convenience of online banking and e-statements, allowing you to ditch the paper and the fees. Plus, you’ll have access to Online Bill Pay, which allows you to send unlimited payments!

Schedule Appointment

standard-checking

On January 1, all Rhythm Checking accounts were converted to Dividends+ Checking accounts. For more information about Dividends+ Checking, including requirements and dividend information, click here.

Dividends+ Checking

Dividends+ Checking rewards you with a higher monthly dividend!

Dividends+ Checking Rewards:

  • An attractive monthly dividend (yep, that’s money put right into your account)!
  • ATM surcharge fee refunds (up to $3 per transaction for the first four monthly occurrences).

Schedule Appointment

Other Dividends+ Checking Account Perks:

  • We waive the $1 non-3Rivers ATM fee we typically charge for other checking accounts.
  • Access your account anytime, anywhere with 3Rivers online and/or mobile banking.
  • Pay bills simply and easily with online bill pay or mobile bill pay.

How to Earn Your Monthly Rewards:

  1. Make fifteen or more (15+) 3Rivers debit card purchases that clear during the qualification cycle;*
  2. Opt to receive 3Rivers eStatements;
  3. And utilize one or more of these great solutions:
    • Have a direct deposit tied to your Dividends+ Checking account;
    • Have at least one automatic withdrawal from your Dividends+ Checking Account (for example, your monthly phone, utility, or insurance bill);
    • Or pay a bill from your Dividends+ Checking Account through online Bill Pay each month.

Calculate your rewards

Calculate

Dividends+ Checking

Last updated: 2/1/2023
Balance Tier1 Dividend Rate2 APY3
Portion up to $9,999.995 1.49% 1.50
Portion $10,000+6 0.15% 0.15%
Base rate (paid on entire portion if requirements are not met)7 0.01% 0.01%

1 Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.

2Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.

3APY = Annual Percentage Rate. $25 minimum opening balance. There is no minimum balance requirement after opening. Rates are variable and set by the Board of Directors on a monthly basis. Fees could reduce earnings. Applicable transactions must be posted during the qualifications cycle in order to be counted towards requirements for rewards. A $5 monthly maintenance fee applies to Dividends+ Checking if monthly qualifications are not met.

4Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles

5An dividend rate of 1.49% (APY 1.50%) will be paid only on the portion of your daily balance that is less than $10,000.00.

6An dividend rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.00.

7A Base dividend rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.

Cash Back Checking

Earn up to $10 cash back each month, simply for using your 3Rivers debit card!

3Rivers Cash Back Checking puts money right back into your account each month. How much you’ll earn is based on the quantity and dollar amount of debit card transactions that clear your account during each monthly qualification cycle*.

Schedule Appointment

Cash Back Checking Rewards:

  • The more often you use your 3Rivers debit card, the more cash back you’ll earn! Transactions that clear your Cash Back Checking account each month are counted toward your reward, which will be deposited straight into your Cash Back Checking account.

Other Cash Back Checking Account Perks:

  • We waive the $1 non-3Rivers ATM fee we typically charge for other checking accounts.
  • Access your account anytime, anywhere with 3Rivers online and/or mobile banking.
  • Pay bills simply and easily with online bill pay or mobile bill pay.

    Cash Back Rewards

    Here's a look at how much you can earn, based on how many transactions you make with your debit card:

    Last updated: 2/1/2023
    Cycle Debit Card Transactions Cash Back Rate* Max Refund Amount
    1 to 19 Transactions 1.00% $2.50
    20 to 39 Transactions 1.00% $5.00
    40 to 59 Transactions 1.00% $7.50
    60+ Transactions 1.00% $10.00

    Monthly Maintenance Fee: $5
    Monthly maintenance fee is waived if statement is delivered electronically and ANY ONE of the following is true:

    • Your Cash Back Checking account is 30 days old or less
    • You have at least ten (10) 3Rivers debit card transactions that clear your account during the statement cycle
    *Cash Back Checking Rewards Cycle = First day of the month to last day of the month.

    Livin' Free Checking

    A special account for teens and young adults.

    Life is full of choices. As you encounter your first big move, your first job, or your first major purchase, the options you have to choose from may seem endless—and sometimes overwhelming. Choosing where to keep your money shouldn’t be. Our Livin’ Free Checking option allows those aged 13-25 to learn the ropes of banking, while offering several great perks, like higher dividends and Oops Refunds!**

    Features of Livin' Free Checking*

    3Rivers Mobile Banking App

    • Manage your accounts anytime, anywhere.

    Mobile Wallets

    • Apple Pay®
    • Samsung Pay®
    • Android Pay®

    Mobile Bill Pay

    • Set up automatic payments for your monthly bills.
    • Send money to a friend—or your parents.

    No monthly fee and no minimum balance.

    Shared ATM network

    • Access thousands of other bank and credit union ATMs without paying a fee!

    Oops Refunds**

    • Make a mistake? We’ve got you covered!

    When the primary accountholder of a Livin' Free Checking account turns 26, we'll automatically transition them into a Standard Checking account. We encourage members to contact us at this time to determine whether another checking account may better suit their current lifestyle and spending habits!

     

    Schedule Appointment

    *Account available to members aged 13-25. Livin' Free Checking accounts will transition to Standard Checking when the primary accountholder turns 26 years of age.
    **Up to three “Oops NSF Fee Refunds” per year (by member request - Online Account Access and Direct Deposit or active Online Bill Pay required for refund eligibility).

    Reward Checking

    Our checking solution that rewards you for keeping a higher balance.

    If you're looking for a checking solution that rewards you for keeping a higher balance—without having to worry about a lengthy checklist of additional requirements—then Reward Checking is for you! Receive dividends at great rates simply for keeping a larger chunk of change in your account.

    Schedule Appointment

    reward-checking

    Reward Checking

    Last updated: 2/1/2023
    Balance1 Dividend Rate2 APY3
    Up to $9,999.99 0.20% 0.20%
    $10,000 to $24,999.99 0.25% 0.25%
    $25,000 to $49,999.99 0.30% 0.30%
    $50,000 to $74,999.99 0.35% 0.35%
    $75,000.00 + 0.40% 0.40%

    1$25 minimum balance required to open. A $2,000 minimum daily balance is required to avoid a $5 monthly maintenance fee. Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit.

    2Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.

    3APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

    Onward Checking

    An account that can help you get back on your feet.

    If you’ve encountered some hardships with your money matters in the past and are looking to get back on your feet and strengthen your financial foundation, our Onward Checking option may be for you. Onward Checking is a no-hassle account with no monthly minimum balance requirements—though it does require an $8.00 monthly maintenance fee. It includes a free debit card that’s accepted at tens of thousands of no-surcharge fee ATMs nationwide.

    To learn more about Onward Checking and to open your account, visit your nearest 3Rivers branch or give us a call at 260.490.8328

    Schedule Appointment

    onward-checking

    Cash Back Checking

    Our Cash Back Checking account rewards you simply for using your debit card!

    If you’re a frequent user of your debit card, you could be getting paid for it! Cash Back Checking puts money right back into your account. The amount of cash back you receive is based on the total number of times you use your debit card each month. So, the more you use your card, the more rewarded you get!

    Earn up to $10 each month when you meet the monthly qualifications.* That’s a potential extra $120 a year, just for using your 3Rivers debit card!

    Schedule AppointmentRewards Calendar

    Cash Back Rewards

    Here's a look at how much you can earn, based on how many transactions you make with your debit card:

    Last updated: 2/1/2023
    Cycle Debit Card Transactions Cash Back Rate* Max Refund Amount
    1 to 19 Transactions 1.00% $2.50
    20 to 39 Transactions 1.00% $5.00
    40 to 59 Transactions 1.00% $7.50
    60+ Transactions 1.00% $10.00

    Monthly Maintenance Fee: $5
    Monthly maintenance fee is waived if statement is delivered electronically and ANY ONE of the following is true:

    • Your Cash Back Checking account is 30 days old or less
    • You have at least ten (10) 3Rivers debit card transactions that clear your account during the statement cycle
    *Cash Back Checking Rewards Cycle = First day of the month to last day of the month.

    Account Qualifications:

    Receive your cash back rewards and get the best banking experience when you meet the following monthly qualifications:

    • Complete 10 debit card transactions (must be fully completed, not pending).
    • Be actively enrolled in 3Rivers e-statements.
    • Link at least one monthly ACH payment to your account. This can be an automatic, electronic direct deposit into your account (from your employer, for example) or a payment made from your account.

    Note: Meeting all of the above qualifications will also waive Cash Back Checking’s monthly $5.00 account maintenance fee.

    *Disclaimer:
    1$25 minimum balance required to open. Cash back is calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Cash back will be deposited into Cash Back checking account the first of each month.
    2Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
    3APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

    Dividend Rewards Checking

    Grow your money with our Dividend Rewards Checking account!

    Tend to keep a high balance in your checking account? Dividends Rewards Checking rewards you for doing so and helps you grow your money even more with a larger monthly dividend!

    Earn a 1% monthly dividend on balances up to $10,000 and continue earning .15% on any portion over that when you meet the Dividend Rewards monthly qualifications!*

    Schedule AppointmentRewards Calendar

    Account Qualifications:

    Receive your dividend rewards and get the best banking experience when you meet the following monthly qualifications:

    • Make 10+ 3Rivers debit card purchases that clear during the qualification cycle.*
    • Be actively enrolled in 3Rivers e-statements.
    • Sign into digital banking (online or mobile) at least once per qualification cycle.
    • Link at least one monthly ACH payment to your account. This can be an automatic, electronic direct deposit into your account (from your employer, for example) or a payment made from your account.

    Note: Meeting all of the above qualifications will also waive Dividend Checking’s monthly $5.00 account maintenance fee.

    *Disclaimer:
    1Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts.
    22Please note: the rates displayed here are the current rates for both Epic or Dividend Rewards Checking accounts.

    Potential Checking Features
    • Access to 35K+ Surcharge Free ATMs*
    • ATM Surcharge Refund
    • Monthly Minimum*
    • Online Bill Pay
    • Oversight Advantage
    • Reward/Dividend Options
    • Waivable Monthly Fee*
    • Waivable/No Monthly Fee
    • 1
    • 2
    • 3
    • 4
    • 5
    • 6
    • 7

    * This table is intended for simple illustration purposes only. Rates, terms, and other applicable attributes will vary by product. Please see specific product page(s) for more detailed information.

    View Rate & Fee Disclosure for Checking

    Return to the top of the page