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Checking Accounts

Opening an account is easy. You can stop into one of our conveniently located branches or start your relationship with us online.


Cash Back Checking

Earn up to $10 back each month for debits

  • No Surcharge Fee for out of network ATMs

Dividends+ Checking

Earn dividends through everyday transactions

  • ATM Surcharge refunds
  • No Surcharge Fee for out of network ATMs


Standard Checking

A basic solution for your spending needs

  • Receive eStatment to waive monthly fee
  • $1 Fee for out-of-network ATMs


Reward Checking

Earn dividends for high balances

  • Higher tiered balances means higher rewards

Livin' Free Checking

Designed for the 13 to 25-year-old crowd

  • No Monthly Fees
  • No Surcharge Fee for out of network ATMs

Onward Checking

An account that can help you get back on your feet

  • One Non Sufficient Funds (NSF) refund per lifetime of account

All 3Rivers Checking Accounts Include:

  • 35K+ Surcharge Free ATMs*
  • Free online banking and bill pay
  • Eligible to receive a 3Rivers Debit Card
*Total number of surcharge-free ATMs available to 3Rivers members via the combined total of the Co-Op ATM, AllianceOne ATM Networks. See specific products rates, terms, and other attributes by visiting

Most 3Rivers Checking Accounts Feature:

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