Simply Free Spending

Banking designed for clarity. A straightforward checking account without the complicated terms. Manage your money, your way.
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Checking That Makes Sense

Our Simply Free Spending Account puts you in control. We believe banking shouldn't be complicated. That's why we designed this account with transparency and simplicity at its core. With your Mastercard® debit card, free digital banking, and unlimited bill pay, everything is here.

Here's What You Get

A straightforward checking account that works for you. No confusing qualification hoops. No corporate policies that don't make sense. Just honest banking with the tools you need to manage your money on your terms—online, on mobile, or at any of our 24 branches.

Account Features 
  • No monthly maintenance fees
  • 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 

 

Account Features

Simply Free Spending¹

Disclaimer
 1Requires eStatements.
Feature Details
Minimum Opening Deposit $25
Monthly Maintenance Fee Free
Debit Card Mastercard® included
Digital Banking Free
Bill Pay Unlimited, free
Got Questions?

Simply Free Spending FAQs

Find quick answers about opening, managing, and using your Simply Free Spending account to its full potential.
How do I open a Simply Free Spending account at 3Rivers?
It's easy. Visit any of our 24 branches or apply online. You'll need a valid ID and $25 minimum deposit. Our team is here to make the process simple.
What are the fees for Simply Free Spending?
We believe in transparency. Simply Free Spending has NO monthly maintenance fee. This account does require eStatements. Non-3Rivers ATM transactions cost $1. NFS (Non-Sufficient Funds) fee is $10 and overdraft fee is $33.
Can I access my account at ATMs everywhere?
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 traditional banks.
What digital features come with my checking account?
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. It's all included. 
Is my money safe at a credit union?
Yes. 3Rivers deposits are federally insured by the NCUA up to $250,000 per account type. Plus, as member-owned, we're governed by member representatives, so decisions prioritize member benefit over profit.
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