Community Checking

As a not-for-profit organization, you do so much for your community. 3Rivers has developed a checking account that’s just right for your organization. Community Checking is a dividend-paying account with lower fees and includes the business checking features you’ve come to expect, including:

  • ACH
  • RDC (Remote deposit capture)
  • CardValet (mobile app-based debit/credit card management)
  • Free online bill pay
  • Free online access
  • Health Savings Accounts (HSA) for your employees
  • Merchant services (credit card processing)
  • Online wire transfer access
  • Sweep accounts

An initial deposit of only $25.00 is required to open the account. Your monthly fee is based on the number of items* posting to your account and may be waived if you meet average daily balance requirements. If you have greater than 400 items in a month, a-per item charge of $0.25 is added to the monthly maintenance charge. Please see the Business Checking Information Sheet for the tiered service charges and fee waiver balance requirements.

*An item is any debit or credit to the account with the exception of wires (as they have a separate charge). Transaction items such as Remote Deposit Capture and Payroll (which are processed through Business Bill Payer) are counted as a single item.


Have questions?  Contact us.

Rates & Terms

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  • Community Checking
  • 2-01-2020


Dividend Rate1


Up to $24,999.99






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. 

2 APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.


  • Business account checklist

  • Business deposit account information sheet