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Livin' Free Checking

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 perks like Oops Refunds!**

Features of Livin' Free Checking

3Rivers Mobile Banking App

  • Manage your accounts anytime, anywhere.

Mobile Wallets

  • Apple Pay®
  • Samsung Pay®
  • Android Pay®

Mobile Bill Pay

  • Set up automatic payments for your monthly bills.
  • Send money to a friend—or your parents.

No monthly fee and no minimum balance.

Shared ATM network

  • 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!


Schedule AppointmentChecking Recommendation Tool

*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).

Most 3Rivers Checking Accounts Feature:

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