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Digital Banking

Download the New Mobile Banking App Now!

Our online and mobile banking platforms are now fully integrated with each other—which means they look and operate the same way, whether logging in on your desktop or on your phone or tablet. And 3Rivers business members no longer have to use a separate app!

Several new features are now available to our members, free of charge. These tools not only add extra convenience to your on-the-go banking, but support you in monitoring your financial health and reaching your financial goals.

Our updated digital banking platforms now allow you to:

  • Receive real-time account alerts.
  • Monitor spending trends and set savings goals.
  • Chat with a 3Rivers team member from within your online and mobile banking account.
  • Access financial literacy tools and articles.
  • Customize your online and mobile banking homepages based on what’s most important to you.

There are a few steps you’ll want to take to make sure you don’t experience any disruptions as a result of these updates. Visit this page to learn more.

Need assistance? If you have additional questions, or need help accessing your accounts, give us a call at 800.825.3641, option 8.

Steps to Take

If you haven’t already, you’ll need to complete the following steps in order to access the mobile app and online banking going forward:


Download our new mobile banking app! Our old app is no longer available.

  • iOS® USERS: If you have automatic updates running, your app may already be updated! If not, you’ll need to manually update your existing app to the new version.
  • ANDROID® USERS: Android users will need to download the new app from your device’s app store and delete the old 3Rivers app, as it is no longer functioning.
  • BUSINESS MEMBERS: You’ll also need to download the new app, as it combines both consumer and business banking, and the separate business banking app will no longer function.

Download the New Mobile Banking App Now!


Your online and mobile banking username stayed the same, but you WILL need to change your password for security purposes. You’ll be prompted to change your password upon logging in for the first time following these updates. Note: Password requirements have been updated for enhanced safety.


You’ll be asked to verify your identity and complete the verification process via text or email. A verification code will be sent to the phone number or email address you have on file with us. If your contact information is no longer valid, or you otherwise don’t receive the notification, you’ll need to call us at 800.825.3641, option 8, to verify your identity.

Watch this video for more information about what to expect when first logging in:


Members who use Bill Pay and/or Card Control, please be aware of the following:

  • BILL PAY: We’re experiencing some unexpected issues with the Bill Pay conversion. Some payees did not convert over as intended.
    • Please take a moment to confirm your payees’ information is correct, that your recurring bills transferred over, and that the payment source is correct.
    • If your payees are not there, you’ll need to re-add those payees. You can do so by clicking, “Add Biller” within the “Pay Bills & People” widget.
    • If there are billers that have “Add eBills?” under the biller name, you’ll need to reconnect these by clicking “Add eBills?” under the payee name. You’ll be prompted to log-on to your biller’s website to connect your statements. This should then connect the biller to your 3Rivers sign-on so you can start receiving eBills from the biller.
    • You can still pay your eBills through Bill Pay; however, they’ll be paid by check instead of an electronic payment until you link your payee account as described above.
    • These updates caused a slight disruption to the separate 3Rivers Card Control app, which is still where you’ll go to fully control your 3Rivers credit and debit cards. You’ll need to re-enroll and re-add your cards into the Card Control app. 

Questions or concerns? Check out our FAQs page for more information or give us a call at 800.825.3641, option 8, for support.

General Information

Yes! You’ll need to visit your mobile device’s app store and download the new 3Rivers mobile banking app and delete the old app. You can find our app by searching “3Rivers Mobile Banking.”

Yes. The last two years’ worth of your eStatements came over with the conversion. They can now be found in the “eDocuments” widget.

Yes. The new digital banking platform offers a more modern security functionality commonly used by other applications.

Yes. Most of the features and functions available in the online system mirror those in the mobile app.

Account & Settings

Yes. All of your accounts should be transferred over with these updates. If you do not see an account that should be there, give us a call at 800.825.3641, option 8.

We transferred over two years’ worth of transaction history within the Accounts area. Please note, the “Access All Transactions” option may not appear immediately and may take a few business days to show up.

Yes. You can hide accounts within both the “Settings” and “Accounts” widgets. This will remove the account from the “Accounts” and “Transfers” widgets, but will not delete any data or preferences related to that account.

Yes. The full account number can be found by clicking on the desired account, followed by the eye-shaped icon next to the masked account number.

Yes. There is a New Card Ordering Form, found within the “Member Services” widget. The request will be sent to us via our Secure Message Center, where we will review the request and send out a new card. This form can be used for debit,  credit, and ATM cards.

Payments, Bill Pay & Pay-a-Person

Scheduled transfers should have converted over, however, please confirm on the “transfers” page that the dates and payment information is accurate.

Yes, most bill payees, payment history, and future dated payments should have transferred over. However, we ask that you take a moment to verify all addresses for your payees have transferred over correctly and confirm your eBills. It’s recommended that you document your bill payees in case a payee did not transfer over.

  • Log in and navigate to “Pay Bills & People”
  • Under “Activity,” you should see past transactions
  • Under “Pay Bills,” you should now see your transferred payees.

If your payees still are not displaying this means they did not successfully transfer. You will have to manually enter information for those payees. You can do so by clicking “Add Biller” and entering the required information. Also remember to re-establish payment schedules if you had previously relied upon scheduled payments. If you still do not see payees that should be there, or are not able to access the system, give us a call at 800.825.3641, option 8.

You’ll need to re-enter that bill payee by going to the “More” menu, selecting “Pay Bills & People,” “Pay Bills” and then click “Add Biller.”

We recommend to ensure you do not miss a payment that may have been due, or will be due soon, we recommend using an alternative payment method, such as that typically found on your payee’s website, to best ensure no disruption of services.

Members and business members can schedule their payments at any time, but actual processing occurs Monday through Friday, holidays excluded. Payments must be scheduled before 5:00 PM in order to be processed the same day; payments scheduled after 5:00 PM will be processed the following business day.

Typically, between 5:00 PM and 6:00 PM. Members have until approximately 4:00 PM the same business day to cancel payments before they are sent to the billers. After this point, electronic payments cannot be canceled. Paper checks must be stopped by 3Rivers.

Yes, you’ll notice the same functionality of bill pay across all devices (mobile, tablet, and desktop online banking).

Yes. Our new digital banking platform will offer a Pay-a-Person feature through a third party vendor dedicated to making paying or receiving payments quickly and easily. The person initiating the payment will be asked to enter a security question for the recipient to answer. Example, “What is your favorite actor?” If you do not think your recipient will know the answer to the question, please communicate to them that you are sending them a payment and this additional security step is required.

No. It’s through a different provider, which doesn’t require your contacts to download a separate app to accept funds.

Yes. Our new platform allows for member-to-member funds transfers.

You can add payees by clicking “Add Biller” within the “Pay Bills & People” widget.

To reconnect your electronic payment (eBill), please take the following steps:

  • If the “Add eBill” link is visible on your payee, follow the prompts to sign-in to your biller’s online account to re-connect your eBills.
  • If the “Add eBill” link option is not present, your payee does not provide eBills to 3Rivers at this time. We are working with our new provider to restore as many electronic payees as soon as possible.
  • Electronic bill payments are drawn from your account the day the payment is sent (a non-recurring manual payment), ensuring funds are indeed available (excluding pending transactions) to clear payment. If funds are not available, the payment will not be sent to the payee. You’ll receive an email indicating that the transaction could not be completed, prompting you to re-initiate payment when sufficient funds in the account.

  • Check Payments are not immediately pulled from your account.  These funds will be withdrawn when the check clears through your payee’s regular check-cashing process.

You’ll need to reconnect these billers by clicking “Add eBills?” under the payee name. You’ll then be prompted to log-onto your biller’s website to connect your statements. This should then connect the biller to your 3Rivers sign-on so you can start receiving eBills from the biller.

You can still pay e-bills through Bill Pay without linking payees, but they’ll receive payment by paper check instead of by electronic payment.

Electronic bill payments are “good funds,” which means money is not debited from a member account unless it is there or proper overdraft permissions are in place.

Check payments are NOT “good funds” or pre-funded. The funds are removed when the check goes through the regular check-cashing process. Checks work as if the member wrote their check directly from their personal or business checkbook.

All sub-users permissions were correctly converted to the new system. However, we did experience an issue where sub-users were not able to access Bill Pay.

There’s a known issue for iPhone users which prevents the “Pay” button from displaying. We expect a fix in place on Monday, September 27. In the meantime, to access the “Pay” button, you must press, hold, and swipe up to display the “Pay Bills & Person” feature. Then, the “Pay” button will appear.  

Log-In & Access

No. Your previous username remained the same through the conversion

Yes. The first time you attempt to log into your account, you’ll be prompted to create a new password. Your password must be at least eight characters in length, contain at least one lowercase letter, at least one uppercase letter, at least one special character, and at least one number and no part of your name or username. You’ll then receive a 6-digit security code by email or SMS text to verify you are who you say you

On the login page, there are “Forgot Username” and “Forgot Password” buttons. Both will allow you to retrieve your account information at any time.

If you’ve been locked out due to failed password attempts, you can click the “Forgot Password” button to verify your and unlock your account. If you’ve locked yourself out due to failed multi-factor authentication, give us a call 800.825.3641, option 8, for assistance.

You’ll need to download this new app and delete the old business app. Our new app will integrate both consumer and business banking!

Yes. You will need to choose a separate username for both of your personal and business accounts.

Yes, if the biometric security on your device is currently activated, you’ll be prompted on how to set it up when you log-into the new mobile app.


  • Google Chrome: Latest two versions

  • Firefox: Latest two versions

  • Microsoft Edge: Latest two versions

  • Safari: Last two major versions or one major version if over one year old

  • Chrome for Android: Last two major versions

  • Mobile Safari for IOS: Last two major versions

  • Internet Explorer is not readily supported

  • Windows: versions that are still supported by Microsoft and support a browser listed above
  • OSX: versions that are still supported by Apple and support a browser listed above
  • Android: v7.0 and above
  • iOS: the last two major releases

Card Control App

Yes. The Card Control app has not changed. However, at first access of your Card Controls app from our new online and mobile banking app system, you may be asked to re-sign in to Card Controls.
Android users who have been experiencing an error with Card Controls will need to go to the Play Store and install the new update of the new 3Rivers Mobile app, not the separate Card Control app.  

Yes. You’ll need to re-enroll and re-add your cards into the Card Control app.

Yes. While our new digital banking platform offers our members more alert options to set for deposits, transactions, and more, the separate 3Rivers Card Control app offers full control, real-time alerts, and travel settings that can only be found within Card Control.


Yes! You’ll need to download the new 3Rivers mobile banking app and delete the old app.

No. You only need to download one app to manage your business and personal accounts. Please note, however, that you’ll need a separate username and password for your personal and business accounts..

Yes. Not only will you be able to link external accounts, but you will be able to transfer between these accounts and your 3Rivers accounts.

No. You will need create a role and assign your sub-users to that role.

Yes. Your sub users have been converted over, and your business will be able to add, remove, and assign permissions with the Business Admin.

No. You’re unable reconcile in real-time, however, you can reconcile daily through a reconciliation report.

Yes. Intuit/Quickbooks will be available within our new platform. However, the connection between 3Rivers and Intuit will be down for the first 7-10 business days.

Need assistance? If you have additional questions, or need help accessing your accounts, give us a call at 800.825.3641, option 8.

New Online & Mobile App

3Rivers’ updated online banking and mobile banking app provide our members with many new features focused on helping better manage and keep track of their money. Most of these features and functions can be accessed anytime, anywhere. Here are just a few we think you’ll love.

A More Seamless & Consistent Digital Banking Experience

Our new online banking and mobile app will provide a more seamless and user-friendly experience, delivering the same look, feel, and features across both platforms. Plus, our business members will no longer need to utilize a separate mobile app, as our new one houses both consumer and business accounts!

Digital Banking Online
Digital Banking Mobile




Financial Wellness Tools

You’ll have access to several new features geared toward helping you achieve your financial goals. These include a spending breakdown that provides you with a detailed look at your spending habits, categorized into over 20 different types (like restaurants, shopping, groceries, and more) to get a better idea of where your money is going. You can also set savings goals, get access to educational materials, and link financial accounts you have with other banks or credit unions.






Enhanced Alert Options

You’ll have access to more account alert options than ever before! Some of these new alert options include:

  • Automatic Deposit Alert: Get notified when an automatic deposit is posted to a specified account.
  • Balance Summary Alert: Receive a summary of account balances at a time and frequency that you specify.
  • Transaction Alert: Get alerted any time a credit or debit transaction over a designated threshold posts to a specified account.
  • Mobile Deposit Completed Alert: Get confirmation when a mobile deposit has successfully completed.
  • Transfer Failed Alert: Receive an alert when an online transfer fails.
Note: Text notifications can only be enabled after you confirm your phone number. Push notifications can only be enabled after you use your preferred device to sign-in to mobile banking.




Link External Financial Accounts

You’ll be able to link accounts you have at other financial institutions to more easily transfer money between accounts and make loan payments, and to keep better tabs on your overall financial picture.





Enhanced Bill Pay Feature

You’ll still be able to pay your bills and schedule payments in a more visually and easily navigated solution, but new features will be added. Some of those new features include but not limited to:

  • Adding memo lines on payments
  • Alerts options for payments
  • Two ways to pay bills either through check or electronic delivery.
  • Multi-Factor Authentication to provide another layer of security
Bill Pay Desktop View
Bill Pay Mobile View

Need assistance? If you have additional questions, or need help accessing your accounts, give us a call at 800.825.3641, option 8.

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