Dividends+ Checking

Build wealth with every purchase. Earn monthly dividends on your balance—with no monthly fees.
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Earn While You Bank

Dividends+ Checking is designed for people who want their money to work for them. Make 15+ debit card purchases and receive one direct deposit each month. It's transparent, straightforward banking rewarding your loyalty.

How Your Dividends Work

Each month, when you qualify, you earn attractive dividends on your monthly balances. That means you get rewarded for the balances you carry throughout the month and not just those on deposit at the end of the month. Dividends post monthly so you see real money in your account. When you meet account qualification, you'll pay zero monthly maintenance fees. Your financial success is our success.

 

Account Features
  • ATM surcharge refunds up to $3 per transaction—up to 4 per month
  • $1 Non-3Rivers ATM fee waived nationwide at any out of network ATM
  • No monthly maintenance fees when you meet account requirements
  • Access your money anytime via digital banking 

Dividends+ Checking

Disclaimer

1VARIABLE RATE ACCOUNT: rate is subject to change anytime after account opening. Fees could reduce earnings.

2 RATE: Dividend Rate. The fixed or variable rate paid.

3 APY: Annual Percentage Yield. It is the rate actually earned in one year, taking into account the effect of compounding.
Balance Tier1 Dividend Rate2 APY3
Portion up to $9,999.99 1.98% 2.00%
Portion $10,000+ 0.15% 0.15%
Base rate (paid on entire portion if requirements are not met) 0.01% 0.01%
Get Answers to Common Member Questions

Questions About Dividends+ Checking?

Understanding how your account works helps maximize benefits. Reach out anytime for more help.
How do I qualify to earn the current rate?
Make 15+ qualifying debit purchases with your 3Rivers Mastercard®, have at least one direct deposit or bill pay transaction, and receive only eStatements.
What counts as a qualifying transaction?
Qualifying transactions include debit card purchases (both signature-based and PIN-based) made at retail merchants using your account, as well as Direct Deposit and Bill Pay transactions processed through Automated Clearing House (ACH) . To count, transactions must post and settle during your Monthly Qualification Cycle, which runs from the first day of the month through 4:00 PM EST on the last calendar day.
How do ATM surcharge refunds work?
We refund out-of-network ATM surcharges up to $3 per transaction for your first four transactions monthly. Plus, we waive the $1 non-3Rivers ATM fee nationwide.
Does Dividends+ Checking have a monthly fee?
There's a $5 monthly maintenance fee. However, this fee is waived if you receive your statement electronically AND you have 15+ debit card transactions per month AND have 1+ direct deposit or automatic clearinghouse (ACH) payment that clear during the qualification cycle ($1.00 minimum transaction amount).
When do my monthly dividends post?
Dividends post at the end of each monthly qualification cycle—usually around the last business day of the month. You'll see real money deposited into your account. The amount depends on your qualifying balance.
Is my account NCUA insured?
Yes, your deposits are federally insured by the NCUA up to $250,000. As a member-owned credit union, 3Rivers is governed by members like you. Your financial security is our core mission. 
Grow Your 3Rivers Membership

Personal Savings Accounts

Combine Dividends+ Checking with a Personal Savings account to maximize your financial growth and earn on all your money with competitive rates.
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