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Business Checking

Business Plus Checking

Whether your business is just getting started or has been established for years, having a checking account designed to grow along with it will help you and your employees thrive. Our Business Plus Checking account supports you through every stage of your business’s journey. Business Plus Checking is an ideal solution for businesses that maintain an average-to-higher balance. This checking account rewards businesses with a dividend on the balance kept in the account and provides a full suite of solutions – giving business members the flexibility to managing their accounts the way they want.

An initial deposit of $25.00 is required to open the account. Your monthly fee is based on the number of items* posting to your account and may be waived if you meet average daily balance requirements. For example, each individual check counts as an item. If you have more than 400 items in a month, a per-item charge of $0.40 is added to the monthly maintenance charge.

*An item is any debit or credit to the account with the exception of wires (as they have a separate charge). Transaction items such as Remote Deposit Capture and Payroll (which are processed through Business Bill Payer) are counted as a single item. Please note debt card transactions are not included in the item count.

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Essential Business Checking

Essential Business Checking is designed specifically to meet the needs of small businesses and start-ups. This simple, non-dividend-paying checking solution allows you to utilize eStatements and online access, and gives members the option to add the additional services.

An initial deposit of $25.00 is required to open the account. You receive 50 free items* per month with a per-item charge of $0.40 for each item after that. Your monthly $5.00 fee is waived if your average daily balance is greater than $999.99.

*An item is any debit or credit to the account with the exception of wires (as they have a separate charge). Transaction items such as Remote Deposit Capture and Payroll (which are processed through Business Bill Payer) are counted as a single item. Please note debt card transactions are not included in the item count.

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Community Checking

We strongly support the many non-profit organizations that give back to our community and have developed a checking account that’s designed especially for business members who fall into this category. Our Community Checking option is a dividend-paying account with lower fees and includes the business checking features you’ve come to expect

An initial deposit of $25.00 is required to open the account. Your monthly fee is based on the number of items* posting to your account and may be waived if you meet average daily balance requirements. If you have greater than 400 items in a month, a-per item charge of $0.25 is added to the monthly maintenance charge. Please see the Business Checking Information Sheet for the tiered service charges and fee waiver balance requirements.

*An item is any debit or credit to the account with the exception of wires (as they have a separate charge). Transaction items such as Remote Deposit Capture and Payroll (which are processed through Business Bill Payer) are counted as a single item. Please note debt card transactions are not included in the item count.

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IOLTA – Interest on Lawyers Trust Account

When an attorney deposits funds into an dividend-bearing Indiana Interest on Lawyer’s Trust Account (IOLTA), the dividend is then sent to the Indiana Bar Foundation, which uses it to help fund non-profit groups and provide pro-bono access to legal representation throughout Indiana.

Have questions or want to get set up? Contact us at 260.399.8268

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Business Plus Checking

Last updated: 2/12/2024
Balance Dividend Rate1 APY2
Up to $2,499.99 0.10% 0.10%
$2,500 to $9,999.99 0.10% 0.10%
$10,000 to $24,999.99 0.10% 0.10%
$25,000+ 0.15% 0.15%

Learn More about Business Checking

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.

2APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

Community Checking

Last updated: 2/12/2024
Balance Dividend Rate1 APY2
Up to $24,999.99 0.10% 0.10%
$25,000+ 0.15% 0.15%

Learn More about Community Checking

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.

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

Most 3Rivers Business Checking Accounts Feature:

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