Mastercard® Debit Card
- Same-day card printing at any branch
- Contactless tap-to-pay
- PIN Security - change anytime (800.825.3641
- Mastercard® Zero Liability protection
Membership That Works Harder for You
Member Benefits
Access exclusive member-only services designed to protect your finances, simplify banking, and deliver real value every single day.
How Member Benefits Work
When you become a 3Rivers member, you're joining a financial cooperative where you have a voice. Since 1935, we've operated as a member-owned, not-for-profit credit union serving northeast, central, and east central Indiana, and St. Mary's, Ohio.
Unlike banks that answer to shareholders, we answer to you. Every decision puts members first, and we reinvest earnings into better services and practical benefits you'll use every day.
These permanent member benefits reflect our commitment to helping people understand money matters every day.
What Membership Gets You
Member Benefit Details
Explore each exclusive service available as a 3Rivers member—practical benefits designed to make your banking easier.
Check Reordering
- 10% member discount with promo code: 3Riverspromo
- Hundreds of design options
- Secure online ordering
Notary Services
- Notaries act as impartial witnesses
- Help deter fraud and verify important legal documents including wills, contracts property deeds, and other agreements
- Free for 3Rivers Members
- Non-members for a fee (Indiana: $10, Ohio: $2)
Oversight Advantage
- Discretionary overdraft coverage1
- Daily limit evaluation
- Standard Coverage: checks, ACH, bill pay
- Extended Coverage: ATM & Debit (opt-in required)
- $33 fee per covered item
Overdraft Protection Transfers
- Setup a savings account or a 3Rivers Mastercard® Credit Card for overdraft protection to help cover negative checking balances
- If your checking account goes negative and funds are available in savings or a 3Rivers Mastercard® Credit Card, money will automatically transfer to bring your balance back to zero.
- Each transfer has a $3 fee, and only one transfer per day is made for the total negative amount - helping keep fees lower.
- You can also move funds yourself by 5:00 PM each day to avoid the transfer fee altogether.
Keep Updated and Informed
At 3Rivers, we believe in keeping you connected to what matters most—your financial wellness and the communities we serve together.eRivers is your direct line to helpful resources, timely updates, and the latest news from your credit union. Whether you're looking for financial tips to reach your money goals, information about new products and services, or updates about our community involvement throughout Fort Wayne, Indiana and Ohio, eRivers keeps you in the loop.
As a member-owned credit union, we're focused on transparency and clear communication. That's why we make it easy to customize what you receive—choose the topics most relevant to you and adjust your preferences anytime.
Subscribe to eRivers
Keep updated and informed by subscribing to relevant electronic publications from 3Rivers. Just complete and submit the form below and you'll be added to the subscriptions you request.
Frequently Asked Questions
Member Benefits Questions
Find answers to common questions about your 3Rivers membership benefits, services, and how to make the most of them.
Can I change my debit card PIN?
Yes. You can change your PIN anytime by calling 800.825.3641. PIN changes are processed immediately and are available at no charge.
Is my debit card protected against fraud?
Yes. Your 3Rivers Mastercard® debit card includes Mastercard® Zero Liability protection. You're not responsible for unauthorized purchases made in stores, online, or through mobile apps.
How do I use my check reordering discount?
When ordering checks online through Deluxe Checks, enter "3Riverspromo" in the promotional code field during checkout. Your 10% member discount applies automatically to your order total.
How much does Oversight Advantage cost?
With Oversight Advantage, there is no cost to have this coverage on your account. Each item paid using Oversight Advantage costs $33. You can avoid fees by keeping enough available funds in your account or a linked overdraft protection account for automatic transfers. Overdraft protection transfers happen once per day and there is a $3 fee for the transfer. You can avoid this transfer and fee by bringing your overdrawn account to a zero balance or greater prior to 5:00 PM EST.
How do I opt-in or out of extended Oversight Advantage coverage?
Extended coverage adds ATM withdrawals and everyday debit card purchases to your protection. Click here to opt-in or call 800.825.3641 to opt-in or out of extended Oversight Advantage coverage.
What is Oversight Advantage?
Oversight Advantage is our discretionary overdraft service that may cover accidental overdrafts up to a limit we evaluate daily based on your deposit history, account age, and ability to repay.
How do I get a debit card the same day?
Visit any 3Rivers branch for same-day card printing. We'll print your Mastercard® debit card on the spot while you're there. Open your account and leave with your card ready to use immediately.
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Disclaimer
1Your account will be charged an overdraft fee of $33.00 for each item that is paid by Oversight advantage. 3Rivers uses your current balance when determining whether a transaction will cause your account to overdraw and for charging overdraft and NSF fees. Your current balance is the amount of money that is actually in your account at any given time. Your current balance reflects transactions that have "posted" to your account but it does not include transactions that have been authorized and are pending.
3Rivers has the discretion to pay your overdrafts but is not obligated to do so. We may withdraw or reduce the amount of this privilege at any time. An overdrawn balance must be repaid within 35 days or your Oversight Advantage limit may be removed.
This service is offered as an additional benefit of doing business with 3Rivers.