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Online & Mobile Banking

Download the Mobile Banking App Now!

Our online and mobile banking platforms are now fully integrated with each other—which means they look and operate the same way, whether logging in on your desktop or on your phone or tablet. And 3Rivers business members no longer have to use a separate app!

Several new features are now available to our members, free of charge. These tools not only add extra convenience to your on-the-go banking, but support you in monitoring your financial health and reaching your financial goals.

Our updated digital banking platforms now allow you to:

  • Receive real-time account alerts.
  • Monitor spending trends and set savings goals.
  • Chat with a 3Rivers team member from within your online and mobile banking account.
  • Access financial literacy tools and articles.
  • Customize your online and mobile banking homepages based on what’s most important to you.

There are a few steps you’ll want to take to make sure you don’t experience any disruptions as a result of these updates. Visit this page to learn more.

Digital Banking Online
Digital Banking Mobile

Mobile Banking

We’ve recently launched a brand new mobile banking app, with more features than ever before! Experience better on-the-go banking today. Learn more.
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, set savings goals, and so much more—all 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.

Need assistance? If you have additional questions, or need help accessing your accounts, give us a call at 800.825.3641, option 8.

Download the Mobile Banking App Now!

General Information

Yes. Our digital banking platform offers this modern security functionality commonly used by other applications.

Yes. Most of the features and functions available in the online system mirror those in the mobile app.

Account & Settings

Members should be able to see at least two years’ worth of transaction history.

Yes. You can hide accounts within both the “Settings” and “Accounts” pages. This will remove the account from the “Accounts” and “Transfers” pages, but will not delete any data or preferences related to that account.

Yes. The full account number can be found by clicking on the desired account, followed by the eye-shaped icon next to the masked account number.

Yes. There is a form to request a new card that is found on the “Member Requests” page. This form can be used to request a new debit, credit, or ATM card.

Payments, Bill Pay & Pay-a-Person

If your payees still are not displaying this means they did not successfully transfer. You will have to manually enter information for those payees. You can do so by clicking “Add Biller” and entering the required information. Also remember to re-establish payment schedules if you had previously relied upon scheduled payments. If you still do not see payees that should be there, or are not able to access the system, give us a call at 800.825.3641, option 8.

Members and business members can schedule their payments at any time, but actual processing occurs Monday through Friday, holidays excluded. Payments must be scheduled before 5:00 PM in order to be processed the same day; payments scheduled after 5:00 PM will be processed the following business day.

Typically, between 5:00 PM and 6:00 PM. Members have until approximately 4:00 PM the same business day to cancel payments before they are sent to the billers. After this point, electronic payments cannot be canceled. Paper checks must be stopped by 3Rivers.

Yes, you’ll notice the same functionality of bill pay across all devices (mobile, tablet, and desktop online banking).

Yes. Our new digital banking platform will offer a Pay-a-Person feature through a third party vendor dedicated to making paying or receiving payments quickly and easily. The person initiating the payment will be asked to enter a security question for the recipient to answer. Example, “What is your favorite actor?” If you do not think your recipient will know the answer to the question, please communicate to them that you are sending them a payment and this additional security step is required.


No. Our payment provider, Payrailz, does not require the payees to download a separate app to accept funds.


Yes. Our new platform allows for member-to-member funds transfers.

You can add payees by clicking “Add Biller” within the “Pay Bills & People” widget.
  • Electronic bill payments are drawn from your account the day the payment is sent (a non-recurring manual payment), ensuring funds are indeed available (excluding pending transactions) to clear payment. If funds are not available, the payment will not be sent to the payee. You’ll receive an email indicating that the transaction could not be completed, prompting you to re-initiate payment when sufficient funds in the account.

  • Check Payments are not immediately pulled from your account.  These funds will be withdrawn when the check clears through your payee’s regular check-cashing process.

Adding an eBill will prompt this biller to send an electronic version of your bill to our Bill Pay system every month. This means you can view all of your bills in one place, and even set up auto pays.

  • If the “Add eBill” link is visible on your payee, follow the prompts to sign-in to your biller’s online account to connect your eBills.
  • If the “Add eBill” link option is not present, your payee does not provide eBills to 3Rivers at this time. We are always working with our provider to add as many electronic payees as possible.

Electronic bill payments are “good funds,” which means money is not debited from a member account unless it is there or proper overdraft permissions are in place.

Check payments are NOT “good funds” or pre-funded. The funds are removed when the check goes through the regular check-cashing process. Checks work as if the member wrote their check directly from their personal or business checkbook.

All sub-users permissions were correctly converted to the new system. However, we did experience an issue where sub-users were not able to access Bill Pay.

Log-In & Access

On the login page, there are “Forgot Username” and “Forgot Password” buttons. Both will allow you to retrieve your account information at any time.

If you’ve been locked out due to failed password attempts, you can click the “Forgot Password” button to verify your and unlock your account. If you’ve locked yourself out due to failed multi-factor authentication, give us a call 800.825.3641, option 8, for assistance.

Yes. You will need to choose a separate username for both of your personal and business accounts.

Yes, if the biometric security on your device is currently activated, you’ll be prompted on how to set it up when you log-into the mobile app.


  • Google Chrome: Latest two versions
  • Firefox: Latest two versions
  • Microsoft Edge: Latest two versions
  • Safari: Last two major versions or one major version if over one year old
  • Chrome for Android: Last two major versions
  • Mobile Safari for IOS: Last two major versions
  • Internet Explorer is not readily supported
  • Windows: versions that are still supported by Microsoft and support a browser listed above
  • OSX: versions that are still supported by Apple and support a browser listed above
  • Android: v7.0 and above
  • iOS: the last two major releases

Card Control App

Yes. While our new digital banking platform offers our members more alert options to set for deposits, transactions, and more, the separate 3Rivers Card Control app offers full control, real-time alerts, and travel settings that can only be found within Card Control.


Yes! You’ll need to download the 3Rivers mobile banking app and delete the old app.

No. You only need to download one app to manage your business and personal accounts. Please note, however, that you’ll need a separate username and password for your personal and business accounts..

Yes. Not only will you be able to link external accounts, but you will be able to transfer between these accounts and your 3Rivers accounts.

No. You will need create a role and assign your sub-users to that role.

No. You’re unable reconcile in real-time, however, you can reconcile daily through a reconciliation report.

Yes. Intuit/Quickbooks is available within our digital banking platform.

Need assistance? If you have additional questions, or need help accessing your accounts, give us a call at 800.825.3641, option 8.

Download the Mobile Banking App Now!

New Online & Mobile App

3Rivers’ updated online banking and mobile banking app provide our members with many new features focused on helping better manage and keep track of their money. Most of these features and functions can be accessed anytime, anywhere. Here are just a few we think you’ll love.

A More Seamless & Consistent Digital Banking Experience

Our new online banking and mobile app will provide a more seamless and user-friendly experience, delivering the same look, feel, and features across both platforms. Plus, our business members will no longer need to utilize a separate mobile app, as our new one houses both consumer and business accounts!

Digital Banking Online
Digital Banking Mobile




Financial Wellness Tools

You’ll have access to several new features geared toward helping you achieve your financial goals. These include a spending breakdown that provides you with a detailed look at your spending habits, categorized into over 20 different types (like restaurants, shopping, groceries, and more) to get a better idea of where your money is going. You can also set savings goals, get access to educational materials, and link financial accounts you have with other banks or credit unions.






Enhanced Alert Options

You’ll have access to more account alert options than ever before! Some of these new alert options include:

  • Automatic Deposit Alert: Get notified when an automatic deposit is posted to a specified account.
  • Balance Summary Alert: Receive a summary of account balances at a time and frequency that you specify.
  • Transaction Alert: Get alerted any time a credit or debit transaction over a designated threshold posts to a specified account.
  • Mobile Deposit Completed Alert: Get confirmation when a mobile deposit has successfully completed.
  • Transfer Failed Alert: Receive an alert when an online transfer fails.
Note: Text notifications can only be enabled after you confirm your phone number. Push notifications can only be enabled after you use your preferred device to sign-in to mobile banking.




Link External Financial Accounts

Link accounts you have at other financial institutions to keep better tabs on your overall financial picture! Plus, having your other checking and savings accounts connected to your 3Rivers online banking allows you to more easily transfer money between all of your accounts and make loan payments on your 3Rivers loans.

  • To view account transactions: Click on the Link External Account option on the dashboard or home page of online banking.
  • To make transfers between accounts: Navigate to the Transfers section within online banking and link an external checking or savings account to transfer money to and from 3Rivers. You can use this option to pay your 3Rivers loan from linked external account(s).




Enhanced Bill Pay Feature

You’ll still be able to pay your bills and schedule payments in a more visually and easily navigated solution, but new features will be added. Some of those new features include but not limited to:

  • Adding memo lines on payments
  • Alerts options for payments
  • Two ways to pay bills either through check or electronic delivery.
  • Multi-Factor Authentication to provide another layer of security
Bill Pay Desktop View
Bill Pay Mobile View




Pay a Person

Pay a Person 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 or savings account with us. Don't have one yet? Explore our options and open yours today!

Why use Pay a Person?

  • 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 real-time payment options.
  • It's affordable, with free next-day transfers. See Fee Disclosure Statement

Ready to sign up? For instructions on enrolling in Pay a Person, click here.

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

Pay a Person: Send/Receive

Last updated: 4/11/2022
Type Amount Instant Transfer Fee Next Day Fee
Send Any Amount Free Free
Receive Any Amount $1.00 Free

Need assistance? If you have additional questions, or need help accessing your accounts, give us a call at 800.825.3641, option 8.

Download the Mobile Banking App Now!

Card Control 3Rivers

3Rivers Card Control allows you to securely monitor your 3Rivers debit and credit cards by turning them on and off, setting spending limits, receiving alerts to prevent fraudulent charges, and more.

Learn More

Knowing your credit score is vital to having a strong financial foundation. That’s why 3Rivers offers our members Credit Sense, a free credit monitoring tool!

Learn More

3Rivers Wallets allows you to connect your card to Apple Pay, Google Pay, and Samsung Pay.

Learn More

You deserve a complete car buying experience that's simple, hassle-free, and local. Save time and money on your next car or truck purchase with the 3Rivers Car Buying Service, powered by TrueCar. 

Learn More

3Rivers and ClickSwitch make it easy to securely move your direct deposits and recurring automatic payments (like utilities, insurance, or club memberships) to your 3Rivers account(s).

Learn More

SavvyMoney provides you with an overview of your overall financial health. You’ll receive a comprehensive credit score analysis, full credit report, monitoring, and personalized offers—all in one dashboard.

Learn More

When it comes to your money matters, it's good to consider recent life changes, current debts, and ways to save more. Doing so can have a huge impact on reducing the financial stress in your life and free you to focus on other areas.

Learn More

If you plan to file your taxes from home, save time and money by doing so with TurboTax®. 3Rivers members can save up to $15 on TurboTax federal products. And you can take comfort in knowing that your taxes will be done right.

Learn More

Download the Mobile Banking App Now!

We’ve updated our online banking navigation!

We’ve updated the navigation layout within online banking (desktop) to help make managing your account(s) even more convenient.

The navigation bar has moved from the left-hand side of your dashboard to the top. The widgets, tools, and features you use haven’t gone away! They’re now located under the top navigation categories.

Simply hover over each top navigation category to be presented with a drop-down containing the features you want to use. We hope you enjoy the update!

Navigation Breakdown

Accounts - Review and manage your accounts, view statements, see checking qualifications, and more. eDocuments has been changed to Statements.

Transfer & Pay - Make transfers, pay bills, or people.

Financial Wellness – Set savings goals, view your credit score, and view your spending analytics.

Tools & Services  - Review settings, manage alerts, contact 3Rivers through Message Center, and more to enhance your banking experience. Service Requests to Member Requests where you submit a form to request a new debit card, dispute potential card fraud, and more.

Business - (This tab is only visible to business account members.) Access your business admin page, view business reports, and more.

Accounts Navigation
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