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3Rivers Card Control

Monitor Your Debit & Credit Card Activity Anytime, Anywhere

Being able to monitor your debit and credit card activity is simple with the 3Rivers Card Control app.

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.

Card Control is free to our 3Rivers consumer and business members and can be accessed through the 3Rivers mobile banking app  for consumers.

Note: business members must access the 3Rivers Card Control app directly to manage their cards. Download now in the Apple® or GooglePlay® store

Card Control Logo

Download the 3Rivers Card Control app today for iPhone® and AndroidTM phones:

Key features of Card Controls:


3Rivers Card Control - Launch Screen

Manage Card Alerts

Receive and customize real-time alerts to spot fraud faster by receiving alerts whenever your cards are used.

3Rivers Card Control Lock Your Card

Lock Your Card

Instantly “lock” or turn your debit or credit card on or off.

3Rivers Card Control Enable Card Availability

Enable Card Availability

Customize your controls by location, spending limit, merchant type, and transaction type.


3Rivers Card Control Set Travel Plans

Set Travel Alerts

Mark your card(s) when traveling to reduce disruption in your spending.


Card Control

Last updated: 4/1/2021
Card Types Member Business Member
Debit & HSA Card Control Member Business Member
Credit Card Control Member
with Bank App Member
with Username Member Business Member
Turn Card On/Off Member Business Member
Block by Merchant Type Business Member Business Member
Block International Transactions Member Business Member
Block by Region (within 5 miles) Member Business Member
Block by Region (outside of 5 miles) Member Business Member
Block by One Region Member Business Member
Block by Multiple Regions Member Business Member
Block by Transaction Amount Member Business Member
View Denied or Pending Transactions Member Business Member
Track Spending Member Business Member
Set Controls on Dependent or Employee Cards Member Business Member
Receive Text (SMS) Alerts Member Business Member

Click here for Card Control's Privacy Policy of Service.

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

Have questions about the 3Rivers Card Control app? We’re happy to help! Schedule an appointment to chat with a team member or give us a call at 800.825.3641 today!

Download the 3Rivers Card Control app today for iPhone® and AndroidTM phones:

Watch this tutorial to learn more how Card Control works:

Interactive Video Player

Credit Sense

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! Credit Sense provides you with ongoing access to your credit score*, alerts you of any changes to it, and provides you with tips and tricks to improve it, so you always know where you are and are supported in getting where you want to be.

Features that can help improve your credit score:

24/7 Monitoring
See daily updates and alerts if your score changes.

Credit Score Snapshot
Shows your credit score, payment history, credit usage, account mix, credit age, and inquires on your report.

Recommendations Grades 
Receive a letter grade for each category factored into your credit score with suggestions on how to improve each area.

Already a 3Rivers member?
Enrollment is easy! Log into your 3Rivers online account or 3Rivers mobile banking app on your Apple® or Android® device and click on "Credit Sense" to get started.

3Rivers Credit Sense Dashboard
3Rivers Credit Sense Score Events

Credit Score Events 
See how your score is impacted based on your payment history and credit usage, and learn how your existing debt and payment history affect your credit score in real-time.

Credit Score Simulator
Provides you an interactive experience to see how your score could be affected if you take certain actions, like paying off a credit card or applying for a new loan.

3Rivers Credit Sense Score Simulator

Have questions about Credit Sense, or want to talk with a team member about more ways to improve your credit score? Schedule an appointment or give us a call at 800.825.3641 today! If you notice any inconsistencies in your credit score email to report or dispute information.

Two ways to enroll for Credit Sense:

Online Access

  1. Log into your 3Rivers online account.
  2. Click the "Show my Score" on the right side under Credit Sense.
  3. Read and accept the terms and conditions.
  4. Answer a few identifying questions.

Mobile Banking

  1. Open your 3Rivers mobile banking app.
  2. Click the "More" tab at the bottom of the screen.
  3. Click "Financial Wellness" and then click "Credit Sense"
  4. Answer the identifying question(s).

*The credit score provided is intended to help you understand the factors that affect your credit score, and ways you may be able to save money with 3Rivers Federal Credit Union loan products. The credit score model shown is using the Vantage 3.0 scoring model. It is not used for loan approval purposes, or for determining loan rates. Loan rates and approvals are based on information provided to the credit union when you apply for a loan. The credit score found in the credit report may be different than the credit score you see here. The offers presented are not offers to lend. Terms and conditions and offers are subject to change at any time.

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.

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

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

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

Car Buying Service

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. Research thousands of vehicles and see what others have paid, then enjoy haggle-free, guaranteed pricing and savings.

Search for Your Next Car

Find a NEW Car
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Find a USED Car
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How it Works

  • SEE what others paid for the new car you want or see used car market value.
  • GET a new car Guaranteed Savings Certificate or used vehicle Price Certificate.
  • SAVE time and money with a pre-approved 3Rivers Auto Loan and a hassle free deal.

More Benefits

  • Consumers have saved an average of $1,824 off MSRP on new vehicles*.
  • A certified dealer network provides a complete car buying experience that's simple, hassle-free and local.
  • See what others in your area paid for the same car you want.
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Start Shopping

See what others paid for the new car you want or see used car market values. Get our new car Guaranteed Savings Certificate or used vehicle Price Certificate & save time and money with a hassle-free deal.

Get Pre-Approved

Be sure to get pre-approved for your car loan with 3Rivers before you shop. With low auto loan rates on new and used vehicle loans, you'll save even more when purchasing your next car!


  • Get pre-approved so you can shop with confidence as a cash buyer. When you visit a dealer with a pre-approval letter in hand, you'll be in a better position to negotiate.
  • Competitive rates – New or used, 3Rivers offers affordable loans with no application fees or early payoff penalties.

* Between 1/1/21 and 12/31/21, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $1,824. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer’s trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.


Simplify the Switch to 3Rivers

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).

How our ClickSwitch Works

  1. Login to your 3Rivers online or mobile banking account.
  2. Click on the Switch to 3Rivers widget (you may need to click on more to find it) and follow the prompts to quickly easily transfer your direct deposits or change automatic payments.
  3. ClickSwitch takes care of everything else by generating and sending completed forms to your employer and/or billers on your behalf.

Help And Guidance While Switching

Our ClickSwitch also lets you view the progress and details of the switches you’ve requested. | User Guide

  • Switch Summary – view progress and details of requested switches.
  • Switch Status – track and view confirmation when your automatic payments or direct deposits have been switched to your 3Rivers account(s).
  • Balance Assist – helps you know approximately how much money you should keep in your old account(s) until your switch(es) to 3Rivers complete.

Start your Switch

Note: It is suggested that you keep your old account open for 30 days to allow enough time for the switches to be complete and for checks/automated payments to clear. If the switch cannot be completed during the initial setup, you will receive instructions how to complete via email. ClickSWITCH will inform you when they process the request and if any additional steps need to be taken.


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.

Get Started

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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.

So, if you have loans or credit card debt, or if you’re planning for a big purchase, now is a great time to check in. Provide just a few details about your current debts and you'll be on your way to seeing how much you could potentially save. Once you've done that, let's talk about it! Complete the contact request field in the "SAVE" tab on the calculator and we'll be in touch.

Looking to Consolidate your Debt?

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TurboTax & H&R Block Perks

We know filing your taxes can feel overwhelming. Fortunately, there are plenty of resources available to help you feel confident in getting them done right. We’ve partnered with TurboTax® and H&R Block® to offer our members a few perks* when filing taxes from home or when working with a professional.


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.*  Discounts available during the entire tax season include:

TurboTax Federal Product Discount

  • $5 savings on the Deluxe and Live Deluxe
  • $10 savings on the Premier and Live Premier
  • $15 savings on the Self-Employed and Live Self-Employed

Get Started

H&R Block

3Rivers members who plan to work with a tax professional at H&R Block to file their taxes can save $25!*

H&R Block In-Office Services Discounts

  • New Customers: $25 Off, In Office Services
  • Returning Customers: FREE Tax Identity Shield ($35 Value)

get Coupon

Visit for details and disclaimers.

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