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Checking Solutions for You

Checking Accounts

Choose the checking account that fits your life—simple, convenient, and designed to help you manage your money with confidence.
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We Believe in Better Banking

At 3Rivers, we're focused on empowering people to define and reach their money goals. That's why we offer thoughtfully curated checking accounts—each designed for your unique financial lifestyle. 

Explore Your Options

Compare 3Rivers Checking Accounts

Find the perfect checking account for your financial lifestyle. Each account offers unique benefits tailored to your needs.
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Cash Back Checking

  • Earn up to $10 monthly simply by using your 3Rivers debit card.
  • No surcharge fee for out-of-network ATMs 
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Dividends+ Checking

  • Earn dividends through everyday transactions. 
  • ATM surcharge refunds 
  • No surcharge fees including out-of-network ATMs 
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Classic Checking

  • Complimentary box of checks annually when requested
  • Unlimited bill pay for convenient, secure payment management 
  • No transaction requirements
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Standard Advantages Across All Products

Every Account Includes These Benefits

Discover checking accounts crafted to your banking needs—with flexible features and convenient access tools.

35K+ Surcharge-Free ATMs*

Access nationwide ATM network with no surcharge fees

Free Digital Banking & Bill Pay

Manage your account anytime via mobile or desktop

NCUA Federally Insured

Deposits protected up to $250,000 per account type

Eligible Debit Card

Accepted anywhere Mastercard® is honored worldwide
Join Over 136,000 Members

We're Not a Bank—We're a Cooperative

Member-owned, not-for-profit. We reinvest profits into better rates, lower fees, and community investment. 90 years of local trust. This is banking for you.
See Our Impact

Get in Touch

Connect with us however works best for you! We're here to answer questions and help you reach your financial goals.

Call Us

Reach our knowledgeable team anytime.
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Visit a Branch

Stop by any of our 24+ locations.
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Schedule an Appointment

Book a meeting in-person, over-the-phone, or virtually.
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Disclaimer
*Total number of surcharge-free ATMs available to 3Rivers members via the combined total of the Co-Op ATM, AllianceOne ATM Networks. See specific products rates, terms, and other attributes by visiting 3riversfcu.org/rates.