Did the routing number tied to my account(s) change?

Yes. While your automatic payments (including deposits, transfers, and withdrawals) will continue to clear, and West End’s routing number will continue to function, for a 90-day grace period, we ask that you please begin updating your routing number information beginning today. 3Rivers’ routing number is: 274973222. You can learn more in this post .

I’m having issues with seeing updates on the 3Rivers website and the merger pages.

If you do not see updates, please try to clear your browser’s cache (in most cases, the shortcut “Fn+F5” will work to quickly clear your cache)!

Why are my transactions not showing up when I log into online account access or mobile banking?

With these systems being down over the weekend for the conversion, they are now in the process of syncing all transactions to appear on members’ accounts. Please allow 24 to 48 hours for these to fully post. After these transactions populate to your account, normal posting of transactions will continue to update within a couple hours as normal. Please note that any transaction history that took place prior to May 31 will not appear within your online or mobile banking access, but will be made available in your May statements.

Why am I receiving a busy signal when I call 3Rivers?

As we assist our new members, we are experiencing higher than normal call volume which is resulting in longer than usual wait times and occasional busy signals. If you receive a busy signal, please hang up and try calling again. We have extended our call center hours this week and will be answering calls from 8:00 AM until 7:00 PM at 800.825.3641. In addition, you may reach out to us via live chat , visit your nearest branch or drive-thru , or email us at merger@trfcu.org .

What is my temporary password for online access and mobile banking?

Your temporary password is the last six (6) digits of your Social Security Number. You will be prompted to change your password once you have logged in and will then be able to use your password for both mobile and online account access.

For now, please continue using your West End credit card and make payments as you have been, as they will convert at a later date. More information will be communicated to credit card holders closer to the credit card conversion.

Questions Information

Our team is ready to help you with any questions you may have. Give us a call at 800.825.3641 , reach out to us via live chat , or email us at merger@trfcu.org. You can find answers to frequently asked questions and conversion guides with detailed information at www.3riversfcu.org/merger .

Existing Loan Conversion

Your current West End consumer or business loan account number, terms, and agreement have not changed. Please refer to the letter regarding your existing loan(s), which was sent in advance of the conversion. This letter contains more details on your current loan and its servicing going forward.

West End Bank Loan Payments

All of your former West End loans will now appear in your new 3Rivers online account access and mobile banking app, where you will be able to manually pay and schedule your loan payments through 3Rivers’ online and mobile banking. This includes all West End consumer and business loan products, such as auto, unsecured, and mortgage loans. If you mail your loan payments, please use the following address: 3Rivers Federal Credit Union PO Box 2573 Fort Wayne, IN 46801-2573 NOTE: You will no longer need to pay with a coupon and will not receive new ones. If you have a supply of loan coupons, you may discard those. With your next billing cycle, you will receive a monthly billing statement for your existing loan. This will include a remittance section. Please remember to update any auto-payments that are mailed to West End to the above address.

Your safe deposit box location, key entry, and fees will remain the same until your renewal date.

You now have access to do your banking at all four previous West End locations, plus our 16 branches located in Northeast Indiana! Find all 3Rivers locations on our Locations Page .

IRAs and Certificate of Deposits

Your West End account(s) were transferred to a 3Rivers account(s) that most closely fits the features and benefits of your former West End account(s). Changes specific to your account(s) were communicated to you via mail prior to conversion.

All West End ATMs have been converted to 3Rivers ATMs. You can use any 3Rivers ATM free of charge. As a credit union member, you now have access to a nationwide network of shared branches and ATMs and will still be a member of the Money Pass® Network. Visit www.3riversfcu.org/locations for a full listing of 3Rivers branch and ATM locations.

Your existing consumer bill payees, payments, and settings have transferred to 3Rivers’ online bill pay system. With the technical conversion now complete, we recommend you log-in to you online banking to ensure all information transferred correctly. For business customers, your existing bill payees, payments, and settings did NOT transfer to 3Rivers online bill pay system. You will need to re-enter your bill payees and settings. We strongly encourage you to re-enter your bill pay information ON or after June 1.

Statements will have a new look. You will receive final paper statements from West End following conversion. These final statements will display your accounts, balances, transactions, and interest paid up through the conversion date on May 30.

Automatic Payments from your Debit Card

If you have any recurring payments, such as a utility bill or subscription made with your West End debit card, you will need to switch your debit card information to your new 3Rivers debit card information. This includes any instances of saved online debit card information, for access to purchases, such as Amazon®. These will need to be updated on or after June 1, as your West End debit card will no longer work.

Direct Deposit, Automatic Payments/Withdrawals, ACH

While your automatic transfers, deposits, and withdrawals* should post to your account without interruption, please give your new routing number (274973222) to any person, employer, or other company who automatically debits or credits your checking or savings account, following conversion. West End's routing number will continue to function for a period of 90 days post conversion (June 1), to ensure you have time to convert your payment and deposit information. Begin using 3Rivers routing number, 274973222 , on June 1. *This includes direct deposits—including payroll, government, investment, and retirement income.

If you currently use West End’s online or mobile banking services for personal or business accounts, you should have received a booklet with more details on enrollment instructions and features. You can find a PDF of this booklet at www.3riversfcu.org/merger . Your previous West End online banking (consumer and business) will convert to 3Rivers online banking on Monday, June 1. West End’s online banking platform will no longer be accessible on Friday, May 29, at 9am, and mobile will be unavailable beginning on Wednesday, May 27, at 9am. Your 3Rivers consumer online banking access will allow you to view your balances and transactions, pay bills, transfer money, send money to other people, view eStatements, monitor your credit score, and more. Additionally, 3Rivers’ mobile banking app will allow you to instantly deposit checks and utilize mobile wallets, like Apple Pay® and Samsung Pay®. If you are a West End Bank business customer, 3Rivers’ online banking for businesses provides you with the ability to view account balances and transactions, transfer money, pay bills, submit online wire transfers, manage business credit cards, and more. With 3Rivers’ Business Mobile, you can track and transfer funds between deposit accounts, and make deposits through remote deposit capture. We encourage you to save your statements or eStatements prior to integration. However, past eStatements from West End will convert to the 3Rivers online banking platform.

Your West End checks will continue to clear for a period of time post-conversion, to ensure your payments are not disrupted. You will need to update any automatic checking payments with your 3Rivers routing number. Your account number will not change. If you order your checks from another vendor, be sure to give them your new routing number: 274973222 You should have received a packet of starter checks with ordering instructions for consumer and business checking accounts prior to conversion weekend. Please begin using your 3Rivers checks immediately, and discontinue using your West End checks and destroy them (or bring them to a branch and we will shred them for you).

Debit Cards and ATM Cards

Now that conversion is complete, your West End debit card will no longer function. Please use your activated 3Rivers debit card. You will need to update any recurring payments connected with your West End debit card and checking account(s) with your new 3Rivers account information.

Financial Education Center

Welcome to our Financial Education Center! Our number one priority at 3Rivers – our mission – is “helping people understand money matters every day.” We’re here to help you along your financial wellness journey by providing you with not only top-of-the-line products, services, and support, but also valuable educational tools and resources that you an access for free!