Simply Free Spending

A straightforward checking account without the complicated terms. Manage your money, your way.

Straightforward and no maintenance fee.

Enjoy an account designed to keep banking simple. Manage everything in one place with digital banking and paperless statements, plus a Mastercard® debit card, unlimited online bill pay, and no monthly maintenance fee.

Here's What You Get

Simple features designed to make everyday money management easier. With no complicated qualification requirements or extra steps to follow, your checking account is ready to work for you from day one.

No Maintenance Fees

No monthly maintenance fee taking money out of your account.

No Surprises

Clear, straightforward checking without complicated requirements.

No Hassle

Easy access to the everyday banking tools you need.

Account Features

Feature	Details
Monthly Maintenance Fee	$0
Mastercard® Debit Card	Included
Minimum Opening Deposit	$25
eStatements	Required
Digital Banking	Free

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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