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Attending college or trade school in Indiana or Ohio? Make the switch to 3Rivers and get up to $300!*

Get $150 when you open a qualifying checking account and use your 3Rivers debit card five times (for a total of $50)!

Use the button below to select and open your checking account. View our membership requirements here.


Get your second $150 for completing a financial wellness check-up.

We'll reward you with an extra $150 once you complete a free financial wellness checkup! We'll cover whatever you want to talk about—your money questions, how to manage your finances, or a plan to reach your bigger goals (like saving for spring break, buying a car, or funding grad school)!

Schedule your financial wellness checkup now! Be sure to use the referral code “STUDENT 24” when scheduling your appointment.

In-Person Appointment Phone Appointment

Note: Financial Wellness conversations can be found under Program Type > Member Planning Services > Financial Wellness.

Once you've opened your account, download our mobile banking app so you can manage your money anytime, anywhere! And follow us on Facebook, Twitter, and Instagram to see the latest from 3Rivers!

Why 3Rivers?

We're here for every step of your life journey. From getting your degree to whatever dreams come in between and after. We’re here to help you do you!

We’ve got the products and services you’d expect from a bank, but our credit union goes way beyond that. We give back to what matters to you through community givingcollege scholarships, and more. Plus, our nationwide network of thousands of shared branches and ATMs and our digital banking platforms mean we're with you, wherever life takes you.

Questions? We're here to help!

If you'd like to talk to a 3Rivers team member with more specific questions about us or this limited-time offer, please give us a call at 800.825.3641 or stop by your nearest branch.


*Limited time offer beginning 06/12/2024 and running through 8/31/2024. Qualifying offer for new members only. Offer only applies to postsecondary students who are either a current resident of Indiana and Ohio OR actively enrolled in a postsecondary educational program based in Indiana or Ohio and meet the qualifications for membership at 3Rivers. To earn initial $150 payout, new member must 1.)  open an eligible checking account online using the "APPLY ONLINE!" button located at and 2.) complete five (5) or more debit card purchased transactions that result in an aggregated total of at least $50 within 45 days of account opening. Eligible checking accounts include Cash Back Dividends+, Reward, Livin’ Free, Standard, and Onward. Business accounts are not eligible for this promotion. An additional $150 bonus payout can be earned by completing a financial wellness conversation with a 3Rivers team member over the phone or in a branch. New member MUST meet qualifications for the initial $150 payout in order to be eligible to receive additional $150 bonus payout. Switched relationships during the promotional period will receive $150-$300 within 30 days after all qualifying requirements are met. 3Rivers reserves the right to withdraw or hold promotional payout if qualifications are not met and/or member changes checking account to an ineligible checking account within 120 days after payout is paid. Referral code “STUDENT24” must be utilized when scheduling a financial wellness appointment. Offer void for persons who have had any existing 3Rivers checking account open within the last six (6) months and/or employees of 3Rivers Federal Credit Union. Payout may be considered interest and, as such, 3Rivers will provide an IRS form 1099-INT. Please consult your tax advisor for any tax-related questions. This promotion may be discontinued at any time.


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