Frequently Asked Questions

Can I choose how long I have to repay?
Available repayment options and terms are shown with your Buy Now, Pay Later offer. Review the available terms and costs in digital banking before deciding whether an offer is right for you.
What happens if I return a purchase after using Split Your Payments?
Returning a purchase does not automatically cancel your Buy Now, Pay Later loan. Because the installment loan is separate from the original debit card purchase, your loan may still need to be repaid according to its terms.

Note: I’d have Compliance/product confirm this language before publishing. Returns and refunds are a significant BNPL consumer question, and the regulatory treatment of BNPL has changed. The CFPB withdrew its 2024 BNPL Interpretive Rule in May 2025, so I would avoid making broader claims about refund or dispute rights without confirming Equipifi/3Rivers' specific process.
Why choose Buy Now, Pay Later at 3Rivers?
3Rivers Buy Now, Pay Later lets eligible members pay over time for planned or qualifying recent purchases. Pre-qualified offers require no separate application or credit check and work with your existing eligible 3Rivers checking account and debit card. View offers, repayment terms, and installment plans directly in digital banking.
How Does Buy Now, Pay Later Work?

Getting started is easy!

  1. Log in. Access 3Rivers digital banking and find Buy Now, Pay Later.
  2. Choose your option. Select Plan Your Purchase or Split Your Payments.
  3. Review your offers. Explore available installment loan options, including repayment terms and applicable costs.
  4. Accept if it's right for you. Once you accept an offer, funds are typically deposited into your checking account within moments.
What if I use my HSA for something that isn't a medical expense?

You can withdraw from your HSA anytime, but if it's not for a qualified medical expense, that money counts as income and usually comes with an extra 20% tax. That extra tax goes away once you turn 65 or if you become disabled.

That's part of why HSAs are such a good long-term play: after 65, use it for anything and just pay regular income tax — or keep using it for medical costs and pay nothing at all.
More questions? Contact the Community Team.

Our Community Team is here to help! Email the team at community@trfcu.org
Does the public vote determine the winners?
Public voting accounts for a portion of each finalist’s overall score, but it is not the sole deciding factor. The remaining score is determined by the selection committee using established judging criteria.
What happens if our organization is selected as a finalist?

Finalists will advance to the public voting phase and may be asked to participate in interviews, site visits, video production, photography sessions, or other promotional activities coordinated by 3Rivers.

Participation in required finalist activities is an important part of the program. An organization’s eligibility may be affected if it is unable to participate.
Does our organization need to be a 3Rivers member?
No. A 3Rivers membership is not required to apply, and membership status will not influence how an application is evaluated.
Who is eligible to apply for the Big Give?

To be considered, an organization must:

  • Be recognized by the IRS as a tax-exempt organization under Section 501(c)(3).
  • Have operated continuously for at least two years.
  • Be in good standing with the IRS and applicable regulatory agencies.
  • Primarily serve communities within a designated 3Rivers service area.
  • Submit a complete application and all requested documentation.
  • Agree to follow the program requirements and Official Rules.
What organizations are NOT funded?

We do not fund the following: General Operations, Capital Campaigns, Event Sponsorships, Political Campaigns, and Religious Organizations (with exceptions). Grant request should be for a specific program with qualitative and quantitative results.
Can organizations share grant award news publicly?

Yes! We encourage sharing via social media channels and tagging 3Rivers. 
Does the Foundation fund religious organizations?
The 3Rivers Foundation may support programs offered by religious organizations when those programs are open to everyone, regardless of religious affiliation. To be eligible for funding, charitable services must remain separate from religious instruction or worship, and participation in prayer, worship, or statements of belief cannot be required.
How do I submit my art piece?
You will take high quality photos to attach to your application. If you win, you will be required to drop off your art piece or mail it in to us. Wait until notified to do so. Be sure to take photos during the creation process! We want before, during, and after photos OR a timelapse video of it being made.
What kind of art piece can I submit?
We are accepting hand painted or drawn art pieces relating to a specific prompt. There are no requirements or limitations for what materials can be used. No digital entries will be accepted.
Do you want to schedule your financial aid review with our Youth & College Team?
Reach out to our Youth & College team at 260.399.8265 or college@trfcu.org.
Can I enter the scholarship contest more than once?

You may only enter once, but you can earn a bonus entry by scheduling a free 30-minutefinancial aid review with our Youth & College Team before June 1.
When is the deadline to enter the scholarship contest?

The deadline to enter is Monday, June 1, 2026 at 12:00 PM EST. We don’t accept late entries, so be sure to get yours in as soon as possible.
Do I have to be a 3Rivers member to enter the scholarship contest?

Yes. You must be a 3Rivers member to enter the scholarship contest.
Can I use a Remodel Loan for cosmetic updates?
Cosmetic projects alone (like paint or flooring) typically don’t qualify unless they’re part of a larger renovation that significantly improves the home.