Cash Back Checking

Can I use digital banking with this account?

Absolutely. You get full 24/7 access to 3Rivers online banking and mobile app. Check your balance, track your transaction count in real-time, pay bills, and deposit checks—all from your phone or computer.

How do I earn cash back with Cash Back Checking?

Simply use your 3Rivers debit card for everyday purchases. Each qualifying transaction counts toward your monthly tier. Once you reach the transaction threshold, you'll earn the corresponding cash back amount, which deposits automatically on the last day of your statement cycle.

How is Cash Back Checking different from a bank?

Traditional banks charge monthly fees without rewards. 3Rivers rewards your loyalty with actual cash back and most active members pay zero fees. We're member-owned, so profits reinvest into member benefits, not shareholder profits.

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.

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.

What's the monthly fee?

There's a $5 monthly maintenance fee. However, this fee is waived if you receive your statement electronically AND meet ONE condition: your account is 30 days old or newer, OR you have 10+ qualifying transactions per cycle.

When does my cash back deposit into my account?

Your earned cash back is deposited on the last calendar day of the month, at the end of your statement cycle. The money is immediately available in your checking account, so you can spend it, transfer it, or leave it there.