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SCAM ALERT: Beware of calls and texts about fake toll fees or job offers, or those claiming to be from 3Rivers. We’ll never ask for your card number, PIN, online banking info, or codes. If something feels off, call us at 800.825.3641.

MESSAGE: All 3Rivers branches will be closed July 4 in observance of Independence Day and will reopen July 5 for regular business hours. ATMs and mobile banking will be available 24/7.

 Rate & Fee Disclosure 

Truth In Savings Disclosure (PDF)

2025 Seminars

Last updated: 5/30/2025
Time/Date Event Description Location RSVP Now
Feb. 28, 2025
11:45am - 1:00pm
Position Your Business for Success
Lunch provided, all business owners welcome! Wings Etc.: Kendallville, IN RSVP

2025 Seminars

Last updated: 5/30/2025
Time/Date Event Description Location RSVP Now
Feb. 28, 2025
11:45am - 1:00pm
Position Your Business for Success
Lunch provided, all business owners welcome! Wings Etc.: Kendallville, IN RSVP

2025 Seminars

Last updated: 5/30/2025
Time/Date Event Description Location RSVP Now
Feb. 28, 2025
11:45am - 1:00pm
Position Your Business for Success
Lunch provided, all business owners welcome! Wings Etc.: Kendallville, IN RSVP

2025 Seminars

Last updated: 5/30/2025
Time/Date Event Description Location RSVP Now
Feb. 28, 2025
11:45am - 1:00pm
Position Your Business for Success
Lunch provided, all business owners welcome! Wings Etc.: Kendallville, IN RSVP

2025 Seminars

Last updated: 5/30/2025
Time/Date Event Description Location RSVP Now
Feb. 28, 2025
11:45am - 1:00pm
Position Your Business for Success
Lunch provided, all business owners welcome! Wings Etc.: Kendallville, IN RSVP

2025 Seminars

Last updated: 5/30/2025
Time/Date Event Description Location RSVP Now
Feb. 28, 2025
11:45am - 1:00pm
Position Your Business for Success
Lunch provided, all business owners welcome! Wings Etc.: Kendallville, IN RSVP

2025 Seminars

Last updated: 5/30/2025
Time/Date Event Description Location RSVP Now
Feb. 28, 2025
11:45am - 1:00pm
Position Your Business for Success
Lunch provided, all business owners welcome! Wings Etc.: Kendallville, IN RSVP

2025 Seminars

Last updated: 5/30/2025
Time/Date Event Description Location RSVP Now
Feb. 28, 2025
11:45am - 1:00pm
Position Your Business for Success
Lunch provided, all business owners welcome! Wings Etc.: Kendallville, IN RSVP

* Individuals under age 18 are exempt from these fees.

** Fee applies when overdraft is created by check, in-person withdrawal, or other electronic means.

***Fee applies when overdraft is created during an ATM or one-time debit transaction. Affirmative consent (opt-in) is required.

**** A Non 3Rivers transaction is considered an inquiry, transfer, deposit or withdrawal on any non-3Rivers owned ATM.  This fee does not apply to transactions on Rhythm (Epic) or Livin' Free Checking Accounts.

***** A Point-of-Sale (POS) transaction can mean a retail shop, a checkout counter in a shop, or the location where a transaction occurs. More specifically, the point-of-sale often refers to the hardware and software used for checkouts – the equivalent of an electronic cash register.

****** No activity on account for 12 months. IRA accounts and accounts with $1,000+ in assets or primary owner is under the age of 18 are exempt from this fee.

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