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Cash Back Checking

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*.

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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: 3/27/2023
    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.

    Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. Monthly Qualification Cycle means the calendar month, beginning first day of the month through end of business (4:00 pm EST) on the last day of the month. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, signature-based and PIN-based debit card purchases less than $0.01, debit card purchases processed by merchants and received by 3Rivers Federal Credit Union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued 3Rivers Federal Credit Union. Transactions bundled together by merchants and received by 3Rivers Federal Credit Union as a single transaction count as a single transaction for the purpose of earning account rewards.
    Reward Information: When Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive one-percent (1.00%) cash back on up to a total of $1,000.00 signature-based and PIN-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle based on account qualifications. When Cash Back Checking qualifications are not met, no cash back payments are made. Cash back payments will be credited to your Cash Back Checking account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened.
    Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $25 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons may be required to meet some of the account’s qualifications. A $5 monthly maintenance fee, which can be waivered if account receives only eStatements and either 1.) the account has been open for equal to or fewer than 30 days or 2.) the account has at least ten (10) qualifying debit card transactions that clear the account during the Monthly Qualification Cycle. Contact a 3Rivers Federal Credit Union service representative for additional information, details, restrictions, processing limitations, and enrollment instructions.

    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
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    * 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

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