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Business Banking at Every Level

Checking Accounts

Choose the checking account that fits your business—simple, transparent, and designed to help you manage operations with confidence.
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Business Checking Built for Growth

3Rivers offers a full range of business checking accounts designed to meet the needs of businesses, nonprofits, and professional organizations at every stage. Whether you’re a startup, an established business maintaining higher balances, or a community-focused nonprofit, our business checking options provide the flexibility, digital access, and financial tools you need to manage your money with confidence. All backed by the local service and support you expect from 3Rivers.

Explore Your Options

Compare 3Rivers Business Checking

Find the perfect checking account for your business stage. Each account offers unique benefits tailored to your operational needs.
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Business Plus Checking

  • Dividends up to 0.15% APY on $25,000+ balances 
  • Item-based pricing with balance fee waiver 
  • For midsize to large businesses and/or high transaction needs 
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Essential Checking

  • 50 free items per month for growth flexibility 
  • $5 monthly fee waived with $999.99+ balance 
  • Perfect for startups and small businesses 
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Community Checking

  • Dividend-bearing account designed for nonprofits 
  • Lower per-item fees ($0.25 vs $0.40 standard) 
  • Fee waivers available for qualifying organizations 
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Helping Your Business

Local Business Resources

Business Plus Checking

Disclaimer
1Variable 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.

2APY=Annual Percentage Yield. Deposit accounts are insured by account ownership up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION.
Balance Dividend Rate1 APY2
Up to $24,499.99 0.10% 0.10%
$25,000+ 0.15% 0.15%

Community Checking

Disclaimer
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.
Balance Dividend Rate1 APY2
Up to $24,999.99 0.10% 0.10%
$25,000+ 0.15% 0.15%

Standard Advantages Across All Products

Every Account Includes These Benefits

Streamline operations with tools designed for business. All accounts include the same powerful features to manage cash flow efficiently.

Digital Banking & Bill Pay

Flexible, tailored admin controls with instant vendor and employee payments.

Mobile Deposit Capture

Deposit checks anytime from your phone - no branch visit needed

35K+ Surcharge-Free ATMs

Access nationwide network for convenient cash management

Mastercard® Debit Card

Accepted globally for business purchases and expense management

IOLTA – Interest on Lawyers Trust Account

When an attorney deposits funds into a dividend-bearing Indiana Interest on Lawyer's Trust Account (IOLTA), the dividend is then sent to the Indiana Bar Foundation, which uses it to help fund nonprofit groups and provide pro-bono access to legal representation throughout Indiana. 3Rivers is proud to support Indiana's legal community and the important work of the Indiana Bar Foundation. Our IOLTA accounts are fully NCUA federally insured and designed with the specific requirements of trust accounting in mind.
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Connect with us however works best for you! We're here to answer questions and help you reach your financial goals.

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Reach our knowledgeable team anytime.
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Stop by any of our 24+ locations.
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Schedule an Appointment

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