Rhythm Checking

Get rewarded with a checking account that fits your lifestyle. Choose an attractive monthly dividend or, if you are into buying digital downloads, earn credits for iTunes or Amazon.com! 

Your Rhythm Checking Rewards:

  • When you open your Rhythm Checking account, you can choose to be rewarded by either:
    • A monthly dividend (yep, that’s money put right into your account!) or
    • $5 in credits for iTunes or Amazon.com purchases (plus, you'll get a $10 grant when you first open the account so you can start getting rewarded immediately).
  • ATM Surcharge Fee Refunds – up to $12 (up to $3 per transaction)

Other Rhythm Checking Account Perks:

  • We waive the $1 Foreign ATM fee we typically charge on other 3Rivers checking accounts.
  • Bank conveniently using your computer, tablet, or phone with Online Access and Mobile Access.
  • Pay bills simply and easily with Online Bill Pay or Mobile Bill Pay with Picture Pay technology.

Open Your Rhythm Checking Account Right Now

How to Earn Your Monthly Rewards

  • 10 or more debit card purchases*

  • Receive 3Rivers eStatements

  • One of the following: Sign in to Online Access at least once per qualification cycle* or complete a transaction to/from your Rhythm Checking Account using Mobile Access.
  • And one or more of these great solutions:
    • Have a direct deposit into your Rhythm Checking account
    • Have at least one automatic withdrawal (e.g., monthly phone, weekly daycare, or monthly insurance payment) from your Rhythm Checking Account
    • Pay a bill from your Rhythm Checking Account through Online Bill Pay each month.

Click here for Frequently Asked Questions about your Rhythm Checking Rewards.

* Minimum to open account is $25. Earn $10 in iTunes® and/or Amazon® / Amazon.com® refunds with initial account opening regardless of qualifications. Earn up to $5 in iTunes® and/or Amazon® /Amazon.com® refunds each cycle the minimum qualifications are met. Refunds will only apply to iTunes® and/or Amazon® / Amazon.com® purchases made with your debit card associated with your 3Rivers Rhythm Checking account. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days to post and clear an account after the date a transaction is made. ATM transactions do not count as qualifying transactions. Intra-bank transfers do not count as qualifying ACH transactions. Nationwide ATM fee refunds up to $12 provided only if qualifications are met during the monthly qualification cycle. iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. Personal accounts only. Limit one account per household.

Want more info about Rhythm Checking? Download the Rhythm Checking Overview, Checking Account Comparison Sheet and Rhythm Checking Qualifications Calendar PDFs below.

Note: The dates in the Rhythm Checking Qualifications Calendar apply to our Rhythm and Epic Checking account(s). Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Please refer to your account's Truth In Savings disclosure for your account's specific qualification requirements. To qualify for your account's rewards, all of your account's qualifying transactions must post and settle to your specific Rhythm and Epic Checking account within the Monthly Qualification Cycle dates stated below. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account's rewards. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for your account's rewards.

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Rates & Terms

  Sign-up for Rate Alert

  • Rhythm Checking
  • 2-01-2020

Balance Tier 1

Dividend Rate2


Portion up to $10,000.99 5



Portion over $10,001 6



Base rate (paid on entire portion if requirements are not met) 7



If you choose the Tunes Rewards option, you will receive a $10 opening bonus and up to $5 in monthly rebates when you meet the month requirements of the account.

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 Please note: the rates displayed here are the current rates for both Epic or Rhythm Checking (Dividend Rewards) accounts.

3 APY = Annual Percentage Rate. $25 minimum opening balance. There is no minimum balance requirement after opening. An Epic or Rhythm Checking qualifications cycle is the last day of the month preceding through the second to last day of qualification month. For example, May’s qualification cycle runs from April 30th through May 30th. Rates are variable and set by the Board of Directors on a monthly basis. Fees could reduce earnings. Applicable transactions must be posted during the qualifications cycle in order to be counted towards requirements for rewards. A $5 monthly maintenance fee applies to Rhythm Checking if monthly qualifications are not met.

4 Click here for the Rhythm Checking Calendar for qualifications and rewards cycles.

5 An interest rate of 1.50% (APY 1.51%) will be paid only on the portion of your daily balance that is less than $10,001.00.

6 An interest rate of 0.15% (APY 0.15%) will be paid only on the portion of your daily balance that is greater than $10,000.99.

7 A Base interest rate of 0.01% (APY 0.01%) will be paid on your entire daily balance if requirements are not met.


  • Rhythm Checking Overview

  • Checking Account Comparison Sheet

  • Rhythm Checking Qualifications Calendar