Checking Accounts

We offer spending solutions designed just for you and your money matters.

A reward checking account with options to fit your lifestyle. You can choose an attractive monthly dividend or if you’re into buying digital music, you can earn credits for music from iTunes or! To earn your dividend or tunes reward, just do these simple time-savers each month:
  • 10 or more debit card purchases*
  • Receive 3Rivers eStatements
  • One of the following:
    • Sign into Online Access at least once per qualification cycle*
    • Complete a transaction through 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 (such as a monthly phone, weekly daycare or monthly insurance payment, etc.) from your Rhythm Checking Account
    • Pay a bill from your Rhythm Checking Account through Online Bill Pay each month.
If you complete these simple steps (which you’re probably already doing anyway!), here’s what you receive:
  • One of the following based on the type of Rhythm Checking you open:
    • An attractive monthly dividend (yep, that’s money put right into your account!)
    • $5 in credits to iTunes or for digital music purchases (plus, you'll get a $10 grant when you first open the account so you can start getting rewarded right way).
  • ATM surcharge fee refunds – up to $12 ($3 per transaction)
Rhythm Checking Monthly Rewards & Qualifications Cycles

* Minimum to open account is $50.  There is no minimum balance requirement after opening. Earn $10 in iTunes® and/or Amazon® /® refunds with initial account opening regardless of qualifications. Earn up to $5 in iTunes® and/or Amazon® /® refunds each cycle the minimum qualifications are met. Refunds will only apply to iTunes® and/or Amazon® /® 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 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.

Standard Checking

If you need a basic checking account to avoid carrying cash everywhere, this account will give you the security of writing checks and you can add a VISA Check Card for even more spending power.

You can also add the convenience of online banking and e-statements to your Standard Checking Account to make your account paperless and fee-less.  In addition, you can use Online Bill Pay to send unlimited payments anywhere, even as financial gifts to loved ones!

Livin' Free Spending

Go where you want, swipe your card for purchases and avoid fees, knowing 3Rivers has your back.

  • A checking account with no monthly fees or minimum balance requirement.
  • Oops Refunds - Mistakes happen, so we’ll cover you up to 3 times a year ($30 limit per Oops Refund… must be using Online Access and Online Bill Pay or Direct Deposit).
  • FREE access to thousands of ATMs in our nationwide network.

Do you keep a good chunk of change in your account on a regular basis and want to earn dividends? Of course, who doesn't want rewarded? All the flexibility of a checking account with rates normally reserved for Money Market accounts.

Difficulties in the past with money matters? How about a chance to move Onward with a no-hassle, no-monthly minimum balance account? It has everything you need including a free debit card that’s accepted at 33,000+ surcharge fee ATMs nationwide. For $8 a month, you get all of this, plus free Online Access, Bill Payer, Mobile and more. 

And – because we know accidents can and sometimes do happen – we’ll pay for the first overdraft fee on your account. It’s the perfect way for building or reestablishing a solid credit history. Then, when the time is right, you can transition to any of our other spending solutions.


Ready to get started?

Click here to open or add an account.

More Info Button

Reward Checking14/1/14
Balance Dividend Rate3 APY2
Up to $2,499.99 0.10% 0.10%
$2,500 to $9,999.99 0.10% 0.10%
$10,000 to $24,999.99 0.10% 0.10%
$25,000+ 0.15% 0.15%
1$25 minimum balance required to open. A $2,000 minimum daily balance is required to avoid a $5 monthly maintenance fee. Dividends are calculated on the daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit.
2APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.
3Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings.
Rhythm Checking14/1/14
Dividend Rate3 APY2
Portion up to $10,000.99 1.50% 1.51%
Portion over $10,001 0.15% 0.15%
Base rate (paid on entire portion if requirements are not met) 0.01% 0.01%
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 (see link above).    
1APY = 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 $7 monthly maintenance fee applies to Rhythm Checking if monthly qualifications are not met.
2Please note: the rates displayed here are the current rates for both Epic or Rhythm Checking (Dividend Rewards) accounts.
3Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings.