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Business Banking

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: 11/9/2022
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: 11/9/2022
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.

Money Market Accounts

These accounts typically offer a higher dividend rate than traditional savings accounts.

A Money Market Account (MMA) is a savings account that typically offers a higher dividend rate than traditional savings accounts. All Money Market Accounts are limited to six (6) pre-authorized, automatic or electronic transfer, telephone order, or telephone instruction. Here's a look at our MMA options.

Optional Money Account (OMA)

Our Optional Money Account (OMA) is a money market account that pays more than a standard savings account. This account operates on a tiered rate schedule, meaning higher balances result in higher yields. This account is available to both businesses and consumers.

 

Money Plus Money Market Account

Our Money Plus Money Market Account is designed for members who carry even higher balances in their money market account to receive higher rates. It also offers the convenience of check writing capabilities (up to three checks per month). This account is available to both businesses and consumers.

Jumbo Money Market Account

Ready to invest in a savings account that offers easy access and more on returns? Our Jumbo Money Market account – designed for both consumers and businesses – provides you with flexibility and earning power, with fewer withdrawal limitations. This account is designed for large balance carriers and provides a stable rate without having to commit to a specific term.

Note: This account requires a $100,000.00 opening balance, and $100,000.00 must be maintained at all times. There is a $25.00 penalty during any month in which the account falls below $100,000.00. Guaranteed the rate will not go below 0.25% APY..

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Business Share Certificates

With as little as $500, you can open a share certificate right now! To learn more about Business Share Certificates, contact a 3Rivers business team member today.

 

Financial Planning for Small Business

Which type of plan is right for your business and your employees? From 401(k), Simple IRAs, Payroll Deduction IRAs, Solo 401(k)s, or SEP IRAs, we'll take the guesswork out of selecting the right plan.

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Health Savings Account (HSA) for Business

The most important part of any business is its employees. 3Rivers wants to ensure that your team is taken care of. By offering a well-rounded health insurance plan, you can ensure your employees have the opportunity to stay healthy.

One type of health insurance is a High Deductible Health Plan (HDHP). When enrolled in an HDHP, your employees may qualify for a Health Savings Account. This is a tax-exempt account that your employees can use to pay or reimburse for their qualified medical expenses.

To help make this process more efficient, our 3Rivers Relationship Managers are more than happy to spend time at your business’s location in order to open these accounts and answer any questions your employees may have.

Learn more about how HSAs work here.

HSA Benefits for Businesses and Employees

  • No set-up, enrollment, or monthly account maintenance fees
  • Fast and easy online account opening
  • Free debit card, online access and bill pay
  • Convenient locations and online solutions to help your team manage their accounts easily
  • Free financial wellness coaching
  • Both the employer and employee can make contributions

We’re here to help your employees with their HSA needs. Contact one of our Relationship Managers to get started or give us a call at 260.399.8268.

*Please consult with your tax advisor for qualification.
** 3Rivers does not sell health insurance or give advice on insurance plan coverage or tax deductions.

Health Savings Account (HSA)

Last updated: 11/9/2022
Balance1 Dividend Rate2 APY3
Up to $24,999.99 0.10% 0.10%
$25,000+ 0.15% 0.15%

Learn More about Health Saving Accounts

No minimum opening balance required.

1Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit. Dividend rates are tiered. If the balance falls below the minimum for the tier, the dividend rate drops to the rate for the next tier.

2Variable 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.

3APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.

Cash Management Solutions for your Business

 

As your community credit union, 3Rivers recognizes the importance of our local businesses and we couldn’t be happier that you chose us as your trusted banking partner! Our team is committed to providing the services and support your business needs to thrive.

Below, you’ll find the many innovative solutions and resources available to you as a 3Rivers business member. These tools provide you with the power to manage the day-to-day finances for your business with security, flexibility, and convenience in mind.

Questions regarding your cash management needs? Let’s talk! Schedule a conference call or virtual meeting with our team.

 

Business ACH

Automated Clearing House (ACH) allows businesses to send and receive funds electronically. Learn More

Autobooks

An online accounting solution created for small business owners to send invoices, receive payments, and more.  Learn More

Remote Deposit

Allows business owners the ability to scan checks in bulk and deposits to their 3Rivers checking account. Learn More

Merchant Services

Allows you to accept debit card and credit card payments through a website, terminal, or mobile device. Learn More

Positive Pay

Enhanced account security and reduces the risk of unauthorized transactions from counterfeit checks. Learn More

Wire Transfers

Business can send funds through our online banking both domestically and internationally. Learn More

Line of Credit Sweep Accounts

A way to transfer funds between a business line of credit and a business checking account. Learn More

Business Credit Cards

The flexibility to make purchases, manage multiple credit cards, earn rewards, control spending, and more. Learn More

Mobile Banking

Manage your business finances anytime, monitor your accounts, transfer funds, deposit checks, and more. Learn More

Online Banking

Full management of your finances so you can transfer funds, send wires, setup sub-users, and more. Learn More

1Service may require additional agreement and fees.

Mobile Banking App

3Rivers Mobile Banking

As a business owner, you may not always have the time to stop into a branch or log-on to your desktop to take care of your money matters. Our 3Rivers Mobile Banking App gives you the ability to manage your business’s finances anytime, anywhere. Check balances, transfer funds, deposit checks, and more with just a few clicks!

Learn more about Our Mobile Banking App

Business Resources

Are you an entrepreneur? If you're thinking about starting your own business, there are a lot of questions to ask yourself and plenty of decisions to make. Here are some resources to help you get started. 

Indiana Small Business Development Center

Developing a business strategy, needing additional information or research? The Indiana Small Business Development Center offers a sundry of free services including research and development databases that can assist in establishing your business, developing projections, export assistance, and business valuation.

Visit them at: isbdc.org

SCORE Fort Wayne

Success starts with a solid business plan. Whether you're looking for assistance with your plan or already have one, make sure you’re on the right track. Mentors at SCORE Fort Wayne have experience in over 62 industries and are willing to share their experience with you. On their website you'll also find free tools, counseling, and workshops aimed at helping you succeed in business.

Visit them at: fortwayne.score.org 

Small Business Administration

If you're starting a small business and want more information on SBA (Small Business Administration) loans, the SBA website is a great place to investigate your financing options and find informative content to help answer other business questions.

Visit them at: sba.gov

Other Resources

 

Retail Sales

Our Retail Sales Team was established to provide convenient, flexible support that allows you to do business the way you choose – on your time. The team was designed to meet with you when it is convenient for you, at the location of your choosing. Whether your business has been established for years and you’re simply looking to grow, or you’re just getting started, we are here to help.

We take time to understand your business’s goals and challenges so we can offer tangible, practical advice and recommend the right combination of solutions to help you achieve your goals.

We offer the following solutions to help your business thrive:

  • Custom seminars
  • Nationwide branch and ATM access
  • Free financial counseling (for you and/or your employees)
  • Health Savings Accounts (HSAs)
  • 401(k) and financial planning for small businesses
  • ACH
  • Merchant services
  • Mobile access
  • Bill pay
  • Checking accounts with dividends
  • Online Wire Services
  • Remote Deposit Capture

Please take some time to explore our business services pages for more on how we can help support you, your business, and your employees. For questions, please contact one of our Retail Sales team members today!

Email Team: retailsalesteam@trfcu.org | Call Team: 260.399.8268

 

Photo of Mike Sinish
Mike Sinish
Strategic Relationship Manager

NMLS# 1195309  |  P: 260.487.3403  |  E: msinish@trfcu.org

Mike joined 3Rivers Federal Credit Union in February 2014. His primary strengths are listening to his members and providing products and services that fit their financial needs and expectations. He believes that focusing on the “lost art” of customer service, consistently following up, and building lasting relationships are essential to earning his members’ trust and business. Mike is eager to find solutions and convenient products that improve members' financial security while saving them time and money. 

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Jason Reuille
Community Retail Manager

NMLS# 219651  |  P: 260.399.8270  |  E: jreuille@trfcu.org

Lifelong Fort Wayne resident, Jason Reuille, has nearly 20 years of experience in the financial industry, working with members at 3Rivers since 2011. He’s become a well-known figure around Fort Wayne, as he has managed several of our branches throughout the city over the years.

Jason’s desire to help people is what drives him to go above and beyond for members – and our community – every single day. He enjoys helping people reach their financial goals and dreams by focusing on their overall financial pictures and creating realistic, attainable goals to get them where they want to be. Jason is a passionate and motivated financial wellness advocate and a trusted advisor, especially for our business and retail members.

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Brianne Haiflich
Community Retail Manager

P: 260.515.6329  |  E: bhaiflich@trfcu.org

Brianne Haiflich, born and raised in Fort Wayne, Indiana, made the move to DeKalb County in recent years. A graduate of Heritage High School in Monroeville, Indiana, Brianne now has over 20 years of experience in the consumer and business credit industry. She’s committed to carrying out 3Rivers’ mission of helping our members understand their own financial wellness pictures and supporting them as they work to reach their goals – through meaningful conversations and follow-ups, and by helping connect them to resources that can make a difference.

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Ethan Snapp
Community Solutions Specialist

P: 765.960.7205  |  E: esnapp@trfcu.org

Ethan is a recent graduate from Indiana University where he earned a Bachelor’s degree in Business Administration and Finance; he is currently pursuing his MBA from the University of Dayton. Ethan is motivated to help others achieve financial wellness in their daily lives and to finding solutions to the needs of our business members. By assisting with account maintenance, online banking, or even finding the perfect deposit account to suit their needs, Ethan is committed to providing the excellent customer service that makes 3Rivers FCU the top choice for your financial needs.

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Carrie Miller
Community Solutions Coordinator

NMLS# 1159180  |  P: 260.487.3395  |  E: cmiller@trfcu.org

Fort Wayne native, Carrie Miller, has been with 3Rivers since 2008. She has gained sound experience over the years as a Member Service Coordinator in our branches – with a focus on lending – prior to joining our Retail Sales Team in 2018.

Carrie assists our team by helping to manage relationships, ensuring we meet all of our members’ needs. She supports our team and our members in services like online banking, account maintenance, and any research that may be required to better their experience with 3Rivers – providing the high quality service our members have come to know and expect. Carrie believes that understanding each members’ unique situation is the key to a successful relationship and to meeting their financial goals.

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Ashlee Guthrie
Community Development Manager

P: 260.318.5664  |  E: aguthrie@trfcu.org

3Rivers Community Development Manager, Ashlee Guthrie, is passionate about helping people explore financial wellness and investing in our community..

Ashlee earned a bachelor’s degree in nonprofit management from Manchester University in 2009. Through her time in working retail, Ashlee gained management experience and learned how to provide outstanding customer service. Later, while working for a local foundation, Ashlee built lasting relationships through grant making, worked in database management, and led her team through the grant process. She credits her involvement as a youth philanthropist with the Noble County Community Foundation for guiding her into the philanthropic sector.

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Leslie Kurtz
Community Solutions Manager

NMLS# 647928  |  P: 260.487.3402  |  E: lkurtz@trfcu.org

Leslie Kurtz has lived in Fort Wayne for nearly 20 years.  She started in the financial industry 13 years ago as a teller and quickly moved into a management position.  In September 2012, Leslie began her journey with 3Rivers Credit Union as the Sales Manager of the Dupont Road Branch and has recently moved into the Community Relationship Manager position. 

Leslie’s compassionate and supportive character is what allows her to always go the extra mile to help others and to ensure their success.  She also believes in impacting the lives of young girls in our community not only by leading her own Girl Scout troop, but also by being the Community Coordinator for all of the troops in Northwest Allen County.

Leslie is also a big supporter and advocate for the Manchester College of Pharmacy and the Ronald McDonald House at Parkview North.  Leslie is an active member in the Strategic Partners Chapter for BNI in Fort Wayne.

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Casey Mitchell
AVP of Retail Sales

NMLS# 565386  |  P: 765.598.5103  |  E: cjmitchell@trfcu.org

Originally from Fort Wayne, Casey recently made the transition to our team in the Richmond area. He graduated from Wayne High School before receiving a Bachelor of Business Administration from Liberty University in Lynchburg, Virginia. Casey has over 15 years of experience in finance, having gained knowledge and skills in multiple areas throughout the industry over the years. Casey is incredibly passionate about helping people find solutions to improve their overall financial wellness and reach their goals.

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Mirza Halilovic
Community Retail Manager

P: 260.348.8197  |  E: mhalilovic@trfcu.org

Mirza Halilovic has been with 3Rivers since 2012, serving as a Branch Manager until 2020, when he transitioned into his role as a Community Retail Manager.

Mirza was born in Bosnia & Herzegovina, lived in Germany in the mid-1990s, and moved to the United States in 1998. In addition to English, he’s also fluent in Bosnian and German. He studied Organizational Leadership & Supervision at IPFW, graduating in 2008, and completed the YLNI Leadership Institute in 2015.

He’s passionate about building long-lasting relationships and is known for taking a servant leadership style approach in serving our members—always keeping others and their best interests top of mind, walking alongside them every step of their financial journey. He loves improving members’ financial wellness and strives to ensure they’re satisfied with every experience they have at 3Rivers in order to create lifelong credit union partnerships.

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Emilee Castillo
Community Solution Specialist

P: 260.399.8246  |  E: ecastillo@trfcu.org

With over 10 years of experience in customer service, Emilee Castillo is passionate about seeking solutions and providing a personal touch for our members. She supports the Retail Sales Team by collecting and reporting data for our team to identify strengths and areas of opportunity for improving the experiences of our business members.

By discovering and establishing 3Rivers Partners, she is a part of an initiative that allows employers to offer the possibility of 3Rivers membership to their employees, members, and volunteers. This includes the opportunity to empower more individuals to pursue financial wellness, which is a cause close her heart. From online banking and account maintenance, to opening deposit accounts and business lending, Emilee can help you reach your financial goals.

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Alison Webb
Community Retail Manager

P: 765.541.1314  |  E: awebb@trfcu.org

Alison Webb comes to 3Rivers with over a decade of experience in retail sales, customer service, and management, and has been working in the financial industry since 2016.

Having grown up in Wayne County, Alison now resides in Union County and is passionate about the area she calls home. She was drawn to 3Rivers by the credit union’s commitment to supporting local communities, businesses, and organizations, and is dedicated to using her professional expertise and her love of the region to help local residents and their businesses thrive. Alison strives to help our members reach their financial goals by creating lasting relationships and providing them with personalized support every day.

 

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Perrica Short
Community Retail Manager

NMLS#192010  |  P: 765.542.9146  |  E: pshort@trfcu.org

 

Lifelong Preble County, Ohio native, Perrica Short, has over a decade of experience as a financial relationship manager for many consumers and businesses in the local Ohio and Indiana markets. Perrica provides our members with a trusted partnership, focused on learning about their stories and goals in order to create customized financial plans that help them succeed.

She has an action-oriented personality, making every effort to help our members work through any obstacles that arise throughout their financial journeys and celebrate their successes along the way.

Dedicated to helping our community grow and thrive, Perrica is always ready to help consumers and businesses alike flourish—in their finances and beyond.

 

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Drew Kalsto
Community Retail Manager

Northeast Indiana

  C: 260.445.3310  |  F: 260.440.5297  |  E: dkalsto@trfcu.org

Drew is a recent graduate from Indiana University Fort Wayne where he earned a Bachelor’s degree in Business Marketing; he is currently pursuing his MBA from Purdue University Fort Wayne. Drew is a Fort Wayne native and is a huge advocate for small and local businesses. Drew is passionate about financial wellness and helping others achieve their financial goals. He strives for members to worry less about finances and focus more on growing into who they want to be. Looking to build trust and long lasting relationships, Drew is here to serve you.

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Wade Smith
Community Retail Manager

P: 260.437.6314  |  E: wsmith@trfcu.org

Wade Smith has resided in Fort Wayne for the past ten years, having obtained a degree in Organizational Leadership from Indiana University-Purdue University Fort Wayne. He’s recently joined our Retail Sales Team after spending seven years serving members in our branches, and brings with him a wealth of knowledge and experience that has led to many success stories with our membership. Wade is passionate about helping members and building relationships, and is especially driven to help people identify their goals and create realistic plans to achieve their own versions of financial wellness.


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