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Mobile Banking

Consumer Mobile Banking App Features

Our mobile banking app puts 3Rivers in the palm of your hand, so you can manage your money anytime, anywhere! Transfer balances between accounts, deposit checks, control your cards, monitor your credit score, and so much more with just a few clicks.

Download the 3Rivers Mobile Banking app today by clicking the appropriate icon below, or searching "3Rivers" in your mobile device’s app store. Sign-in using your Online Account Access user ID and password.

Mobile Check Deposit

Deposit checks as soon as you get them using our mobile app! After endorsing the back of the check, select the account you wish to deposit it into. From there, you’ll be prompted to take a photo of the front and back of the check and confirm the amount.

Note that, for checks over $500, the first $500 will be made available immediately. The remaining amount may take up to two business days to process. Checks or combinations of checks, that add up to $10,000 or more will need to be deposited in the branch.

Online Access Checking Accounts

In CheckFree®, all checking accounts listed in online access are considered "pay from" accounts. You have the option of creating nicknames for each account to help keep track of which accounts to use for payments.

To create account nicknames, follow these simple steps:

  • Log in to Online Access
  • Click on the “Account Services” tab
  • Click on “Account Management”
  • Edit names in the “My Account Nickname” column

Payment Processing Changes

Under CheckFree, payments are scheduled by selecting the date the payee receives their money. Payments will be deducted from your account that day or at an earlier date. This gives you more control over the date the payment is actually received, eliminating the "guess work."

Questions? Contact your branch representative or Member Services Team at 800.825.3641.


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Business Mobile App Features

Control your business’s finances anytime, anywhere with the 3Rivers Business Mobile App. This feature is free to 3Rivers business members!

Some of the 3Rivers Business Mobile app’s many features include*:

  • Remote Check Deposit: Deposit checks, view check images, and view deposit history within the app (compatible with devices using auto-focus cameras).
  • Real-Time Business Account Balances
  • Transfer Funds Between Accounts
  • View Pending Transactions
  • Mobile Bill Pay with Approvals
  • Simple, Secure & Quick Banking
  • Fingerprint Sign-On

Business Accounts Using CheckFree®

What are the benefits of converting to CheckFree®?

  • CheckFree is the largest bill pay service in the country, with more payees available electronically.
  • CheckFree is FREE to our business members!

Employee Payroll

  • Employee payroll functionality is offered in-house through ACH direct deposit.

Admin Rights and User Access

  • With CheckFree bill payer, all businesses have one admin sign-on ID for online access. All additional signers on the business account, or any other employees with online access, will need to be created as authorized users. Those authorized users with “bill payment” authority will then have access to CheckFree.

To learn more about our Business Mobile App, email us, or give us a call at 260.490.8328, option 5.

*Depending on the type of checking account and mobile device you have, some features may or may not be available.
Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.

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3Rivers Mobile Wallets

It’s not always convenient to rummage through your purse or wallet—through a mess of cards, checks, and bills—while at checkout. Sometimes your phone is more easily accessible, if not already in hand.

Now, you can link your 3Rivers account information to the mobile wallet app on your iOS, Samsung, or Android device, and scan it to make payments at participating merchants.

3Rivers believes that you should be able to access and utilize your finances anytime, anywhere, and mobile wallets are one of the many options we’re proud to offer that make it possible for our members to bank on-the-go.


For Consumer iPhone®


For Consumer Android™


For Business iPhone®


For Business Android™

Apple Pay™

Apple Pay is available on the newest Apple devices and also on iPhone®, iPhone Plus, iPhone 6s, iPhone 6s Plus, iPad Air® 2, and the iPad Mini™ 3 (devices running iOS 8.1 or later.)

Learn more about Apple Pay installation and troubleshooting at the Apple website.

Apple Pay FAQs

Samsung Pay™

Samsung Pay is available on the newest Samsung devices and also on the Samsung Galaxy® S6, Samsung Galaxy® S6 Edge, Samsung Galaxy® S6 Edge+, Samsung Galaxy® Note 5, and Samsung Galaxy® S6 Active.

Learn more about Samsung Pay installation and troubleshooting at the Samsung website.

Samsung Pay FAQs

Google Pay™ (formerly Android Pay™)

Google Pay is available on any NFC-enabled device running Android OS 4.0 (KitKat) or higher.

If you’re already using Android Pay (Google’s previous app for in-store payments), then you don’t need to do anything at all. Your app will automatically transform into Google Pay. All your credit/debit cards and other financial information will carry over, too

Learn more about Google Pay installation and troubleshooting at the Google website.

Google Pay FAQs

3Rivers CardValet

Take Control of Your Debit & Credit Cards

CardValet® from 3Rivers is a card monitoring service that gives you security and flexibility over your debit, HSA, and credits cards from the tips of your fingers. 3Rivers consumer and business members now have the convenience of setting spending limits, controlling where your card is being used, and receiving alerts of transactions. Using either the CardValet stand-alone app or with your 3Rivers Mobile app you can control cards — just another way we help our members with their money matters every day.

Click here for our CardValet FAQ

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Watch this tutorial to learn more how CardValet works:

Download the CardValet stand-alone app today for iPhone® and AndroidTM phones:

APPLE_Download_AppStoreBadge_135x40(1)_202_60  google-play-badge

You can use CardValet in two ways: the CardValet stand-alone app gives you the most control over your debit, HSA, and credit cards. You can also access CardValet through your 3Rivers mobile app, which offers most of the service features found on the CardValet stand-app—see the difference between the two below:


Last updated: 8/1/2020
Card Types Stand-alone App 3Rivers Mobile App
Debit & HSA Card Control
Credit Card Control
CardValet Control Features Stand-alone App 3Rivers Mobile App
Turn Card On/Off
Block by Merchant Type
Block International Transactions
Block by Region (within 5 miles)
Block by Region (outside of 5 miles)
Block by One Region
Block by Multiple Regions
Block by Transaction Amount
View Denied or Pending Transactions
Track Spending
Set Controls on Dependant or Employee Cards
Receive Text (SMS) Alerts

Click here for CardValet's Privacy Policy of Service.

Click here for CardValet's Stand-alone App Terms of Use.

Online Bill Pay by CheckFree

3Rivers' online bill pay service is provided by CheckFree, the largest bill pay service in the country. Use CheckFree to save time and money in sending payments, stay organized, be more secure, receive e-bills, and deliver payments quickly (same- and next-day rushed payments available for an additional fee) and with greater control.

If you would like to speak with someone about this conversion, contact your branch representative or Member Services 800.825.3641 with any questions.

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To learn about CheckFree, please watch our video tutorial:


Popmoney is a fast and easy way to quickly send money to people from your account to theirs using only their email address or cell phone number. This service is available to 3Rivers members who have a checking account with us. Don't have one yet? Explore our options and open yours today!

Why use Popmoney?

  • It's easy. Send money in different amounts at different speeds, and your friends and family can receive the money easily and securely.
  • It's quick, with next day and 3 business day money transfer options.
  • It's affordable, with free 3 business day transfers. See Fee Disclosure Statement
  • Request money or send e-greetings with your payments.

Ready to sign up? For instructions on enrolling in Popmoney, click here.

Contact your branch representative or Member Services (800.825.3641) with any questions.

Please see our delivery Fee Disclosure Statement for further information about fees related to using Popmoney. 

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