Classic Checking

Checking designed with practical benefits. Get complimentary checks annually plus essential banking tools.
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Checking With Built-In Value

Classic Checking gives you practical benefits that matter. You'll be able to request one complimentary box of 3Rivers checks each year. With your Mastercard® debit card and unlimited bill pay, this account is designed for members who value convenience and straightforward banking.

Built for Your Banking Routine

Manage your money with confidence using tools that work the way you do. Whether you're writing checks, paying bills online, or using your debit card, Classic Checking delivers the features you need without unnecessary complications or confusion.

Account Features 
  • One complimentary box of 3Rivers checks may be requested annually—practical value for check writers 
  • Mastercard® debit card with EMV chip and tap-to-pay technology 
  • Free digital banking—manage accounts anytime, anywhere 
  • Unlimited bill pay for convenient, secure payment management 

Classic Checking

Disclaimer

1You can receive a maintenance fee waiver by meeting one of the following simple requirements:

  • Your account is less than 60 days old
  • You keep a minimum daily balance of at least $1,000
  • You have a minimum daily Relationship Balance of at least $5,000

Minimum Daily Balance: If account balance falls below indicated dollar amount ANY TIME during the month, it will not receive a waiver of the applicable fee unless at least one of the other potential waiver conditions (if applicable) is met.

Minimum Combined Individual Relationship Balance: This is the total of the lowest daily balances across all qualifying loans and share accounts you own. Credit cards, in-school student loans, and business accounts are not included. To qualify for a fee waiver, your combined minimum balance must stay at or above the required amount for the entire month. If it drops below that amount at any point during the month, the fee will apply—unless you meet another eligible waiver option.

 
Feature Details
Monthly Maintenance Fee $5 (Waived if requirements are met¹)
Minimum Opening Deposit $25
Minimum Balance Requirement $0 after opening
Complimentary Checks One box per year (3Rivers Blue only)
Debit Card Mastercard® included
Digital Banking Free
Bill Pay Unlimited, free
Have Questions?

Classic Checking Questions

Find quick answers about opening, managing, and maximizing the benefits of your Classic Checking account.
What makes Classic Checking different from other checking accounts?
Classic Checking offers practical value with one complimentary box of checks annually—perfect if you write checks regularly. Combined with straightforward terms and member-focused service, it's banking that works for you.
What digital banking features come with Classic Checking?
Everything you need: free online banking, mobile app with mobile check deposit, unlimited bill pay, real-time balance updates, and more. Manage your account 24/7 from any device. No extra fees included.
Can I access ATMs everywhere with this account?
Yes. Access 70,000+ surcharge-free ATMs nationwide through our CO-OP and Alliance One networks. Plus, withdraw cash at 5,600+ shared credit union branches nationwide—a benefit that sets us apart from banks.
How does the complimentary check benefit work?
You'll be able to request one complimentary box of 3Rivers checks per year by visiting any branch, sending a request through digital banking, or calling 3Rivers.
What are the fees and how can I avoid the monthly maintenance fee?

Classic Checking has a $5 monthly maintenance fee. You can receive a maintenance fee waiver by meeting one of the following simple requirements:

  • Your account is less than 60 days old
  • You keep a minimum daily balance of at least $1,000
  • You have a minimum daily Relationship Balance of at least $5,000
How do I open a Classic Checking account at 3Rivers?
Opening is simple. Visit any of our 24 branches or apply online. You'll need a valid ID and $25 minimum deposit. Our team makes the process easy. 
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