Checking Accounts
Standard Checking
Our basic, no-frills checking account.
Our Standard Checking option gives you the security of housing your money at the credit union, along with the ability to use a Mastercard® debit card and write checks.
You can enhance your Standard Checking account with the convenience of online banking and e-statements, allowing you to ditch the paper and the fees. Plus, you’ll have access to Online Bill Pay, which allows you to send unlimited payments!
Dividends+ Checking
Dividends+ Checking rewards you with a higher monthly dividend!
Dividends+ Checking Rewards:
- An attractive monthly dividend (yep, that’s money put right into your account)!
- ATM surcharge fee refunds (up to $3 per transaction for the first four monthly occurrences).
Other Dividends+ Checking Account Perks:
- We waive the $1 non-3Rivers ATM fee we typically charge for other checking accounts.
- Access your account anytime, anywhere with 3Rivers online and/or mobile banking.
- Pay bills simply and easily with online bill pay or mobile bill pay.
How to Earn Your Monthly Rewards:
- Make fifteen or more (15+) 3Rivers debit card purchases that clear during the qualification cycle;*
- Opt to receive 3Rivers eStatements;
- And utilize one or more of these great solutions:
- Have a direct deposit tied to your Dividends+ Checking account;
- Have at least one automatic withdrawal from your Dividends+ Checking Account (for example, your monthly phone, utility, or insurance bill);
- Or pay a bill from your Dividends+ Checking Account through online Bill Pay each month.
Calculate your rewards
Dividends+ Checking
| Balance Tier1 | Dividend Rate2 | APY3 |
|---|---|---|
| Portion up to $9,999.995 | 1.49% | 1.50 |
| Portion $10,000+6 | 0.15% | 0.15% |
| Base rate (paid on entire portion if requirements are not met)7 | 0.01% | 0.01% |
1 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.
2Please note: the rates displayed here are the current rates for both Epic or Dividends+ Checking accounts.
3APY = Annual Percentage Rate. $25 minimum opening balance. There is no minimum balance requirement after opening. Rates are variable and set by the Board of Directors on a monthly basis. Fees could reduce earnings. Applicable transactions must be posted during the qualifications cycle in order to be counted towards requirements for rewards. A $5 monthly maintenance fee applies to Dividends+ Checking if monthly qualifications are not met.
4Click Here for the Dividends+ Checking Calendar for qualifications and rewards cycles
5An dividend rate of 1.49% (APY 1.50%) will be paid only on the portion of your daily balance that is less than $10,000.00.
6An dividend rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.00.
7A Base dividend rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.
Cash Back Checking
Earn up to $10 cash back each month, simply for using your 3Rivers debit card!
3Rivers Cash Back Checking puts money right back into your account each month. How much you’ll earn is based on the quantity and dollar amount of debit card transactions that clear your account during each monthly qualification cycle*.
Open Account Schedule Appointment
Cash Back Checking Rewards:
- The more often you use your 3Rivers debit card, the more cash back you’ll earn! Transactions that clear your Cash Back Checking account each month are counted toward your reward, which will be deposited straight into your Cash Back Checking
account.
Other Cash Back Checking Account Perks:
- We waive the $1 non-3Rivers ATM fee we typically charge for other checking accounts.
- Access your account anytime, anywhere with 3Rivers online and/or mobile banking.
- Pay bills simply and easily with online bill pay or mobile bill pay.
Cash Back Rewards
Here's a look at how much you can earn, based on how many transactions you make with your debit card:
| Cycle Debit Card Transactions | Cash Back Rate* | Max Refund Amount |
|---|---|---|
| 1 to 19 Transactions | 1.00% | $2.50 |
| 20 to 39 Transactions | 1.00% | $5.00 |
| 40 to 59 Transactions | 1.00% | $7.50 |
| 60+ Transactions | 1.00% | $10.00 |
Monthly Maintenance Fee: $5
Monthly maintenance fee is waived if statement is delivered electronically and ANY ONE of the following is true:
- Your Cash Back Checking account is 30 days old or less
- You have at least ten (10) 3Rivers debit card transactions that clear your account during the statement cycle
Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. Monthly Qualification Cycle means the calendar month, beginning first day of the month through end of business (4:00 pm EST) on the last day of the month. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, signature-based and PIN-based debit card purchases less than $0.01, debit card purchases processed by merchants and received by 3Rivers Federal Credit Union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued 3Rivers Federal Credit Union. Transactions bundled together by merchants and received by 3Rivers Federal Credit Union as a single transaction count as a single transaction for the purpose of earning account rewards.
Reward Information: When Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive one-percent (1.00%) cash back on up to a total of $1,000.00 signature-based and PIN-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle based on account qualifications. When Cash Back Checking qualifications are not met, no cash back payments are made. Cash back payments will be credited to your Cash Back Checking account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $25 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons may be required to meet some of the account’s qualifications. A $5 monthly maintenance fee, which can be waivered if account receives only eStatements and either 1.) the account has been open for equal to or fewer than 30 days or 2.) the account has at least ten (10) qualifying debit card transactions that clear the account during the Monthly Qualification Cycle. Contact a 3Rivers Federal Credit Union service representative for additional information, details, restrictions, processing limitations, and enrollment instructions.
Livin' Free Checking
A special account for teens and young adults.
Life is full of choices. As you encounter your first big move, your first job, or your first major purchase, the options you have to choose from may seem endless—and sometimes overwhelming. Choosing where to keep your money shouldn’t be. Our Livin’ Free Checking option allows those aged 13-25 to learn the ropes of banking, while offering several great perks, like higher dividends and Oops Refunds!**
Features of Livin' Free Checking*
- Manage your accounts anytime, anywhere.
- Apple Pay®
- Samsung Pay®
- Android Pay®
- Set up automatic payments for your monthly bills.
- Send money to a friend—or your parents.
No monthly fee and no minimum balance.
- Access thousands of other bank and credit union ATMs without paying a fee!
Oops Refunds**
- Make a mistake? We’ve got you covered!
When the primary accountholder of a Livin' Free Checking account turns 26, we'll automatically transition them into a Standard Checking account. We encourage members to contact us at this time to determine whether another checking account may better suit their current lifestyle and spending habits!
Open Account Schedule Appointment
*Account available to members aged 13-25. Livin' Free Checking accounts will transition to Standard Checking when the primary accountholder turns 26 years of age.
**Up to three “Oops NSF Fee Refunds” per year (by member request - Online Account Access and Direct Deposit or active Online Bill Pay required for refund eligibility).
Reward Checking
Our checking solution that rewards you for keeping a higher balance.
If you're looking for a checking solution that rewards you for keeping a higher balance—without having to worry about a lengthy checklist of additional requirements—then Reward Checking is for you! Receive dividends at great rates simply for keeping a larger chunk of change in your account.
Reward Checking
| Balance1 | Dividend Rate2 | APY3 |
|---|---|---|
| Up to $9,999.99 | 0.20% | 0.20% |
| $10,000 to $24,999.99 | 0.25% | 0.25% |
| $25,000 to $49,999.99 | 0.30% | 0.30% |
| $50,000 to $74,999.99 | 0.35% | 0.35% |
| $75,000.00 + | 0.40% | 0.40% |
1$25 minimum balance required to open. A $2,000 minimum daily balance is required to avoid a $5 monthly maintenance fee. Dividends 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.
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.
Onward Checking
An account that can help you get back on your feet.
If you’ve encountered some hardships with your money matters in the past and are looking to get back on your feet and strengthen your financial foundation, our Onward Checking option may be for you. Onward Checking is a no-hassle account with no monthly minimum balance requirements—though it does require an $8.00 monthly maintenance fee. It includes a free debit card that’s accepted at tens of thousands of no-surcharge fee ATMs nationwide.
To learn more about Onward Checking and to open your account, visit your nearest 3Rivers branch or give us a call at 260.490.8328
Cash Back Checking
Our Cash Back Checking account rewards you simply for using your debit card!
If you’re a frequent user of your debit card, you could be getting paid for it! Cash Back Checking puts money right back into your account. The amount of cash back you receive is based on the total number of times you use your debit card each month. So, the more you use your card, the more rewarded you get!
Earn up to $10 each month when you meet the monthly qualifications.* That’s a potential extra $120 a year, just for using your 3Rivers debit card!
Open Account Schedule AppointmentRewards Calendar
Cash Back Rewards
Here's a look at how much you can earn, based on how many transactions you make with your debit card:
| Cycle Debit Card Transactions | Cash Back Rate* | Max Refund Amount |
|---|---|---|
| 1 to 19 Transactions | 1.00% | $2.50 |
| 20 to 39 Transactions | 1.00% | $5.00 |
| 40 to 59 Transactions | 1.00% | $7.50 |
| 60+ Transactions | 1.00% | $10.00 |
Monthly Maintenance Fee: $5
Monthly maintenance fee is waived if statement is delivered electronically and ANY ONE of the following is true:
- Your Cash Back Checking account is 30 days old or less
- You have at least ten (10) 3Rivers debit card transactions that clear your account during the statement cycle
Account Qualifications:
Receive your cash back rewards and get the best banking experience when you meet the following monthly qualifications:
- Complete 10 debit card transactions (must be fully completed, not pending).
- Be actively enrolled in 3Rivers e-statements.
- Link at least one monthly ACH payment to your account. This can be an automatic, electronic direct deposit into your account (from your employer, for example) or a payment made from your account.
Note: Meeting all of the above qualifications will also waive Cash Back Checking’s monthly $5.00 account maintenance fee.
*Disclaimer:
1$25 minimum balance required to open. Cash back is calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Cash back will be deposited into Cash Back checking account the first of each month.
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.
Dividend Rewards Checking
Grow your money with our Dividend Rewards Checking account!
Tend to keep a high balance in your checking account? Dividends Rewards Checking rewards you for doing so and helps you grow your money even more with a larger monthly dividend!
Earn a 1% monthly dividend on balances up to $10,000 and continue earning .15% on any portion over that when you meet the Dividend Rewards monthly qualifications!*
Open Account Schedule AppointmentRewards Calendar
Account Qualifications:
Receive your dividend rewards and get the best banking experience when you meet the following monthly qualifications:
- Make 10+ 3Rivers debit card purchases that clear during the qualification cycle.*
- Be actively enrolled in 3Rivers e-statements.
- Sign into digital banking (online or mobile) at least once per qualification cycle.
- Link at least one monthly ACH payment to your account. This can be an automatic, electronic direct deposit into your account (from your employer, for example) or a payment made from your account.
Note: Meeting all of the above qualifications will also waive Dividend Checking’s monthly $5.00 account maintenance fee.
*Disclaimer:
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.
22Please note: the rates displayed here are the current rates for both Epic or Dividend Rewards Checking accounts.
