Important Information about Procedures for Opening a New Account:
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying information.
Applying is fast and easy!
To complete the application, you will need the following information for each applicant:
Your full legal name
Government issued ID, Drivers License, State ID, or Passport with current address
Your complete physical and mailing address
Social Security Number
Date of Birth
You will also need a debit card, credit card, or bank account number to complete the required funding.
Select your eligibility
I am related to or share a household with an existing 3Rivers member or employee.
Member or Employee?
I would like to join a 3Rivers Specialty Partner to qualify for membership:
Join the following Specialty Partner at no cost to myself
I qualify through a 3Rivers Partner.
I currently attend or I am related to or share a household with someone who currently attends the following school
Select at least one of the following products required for membership
Dividends+ Checking
Earn an attractive dividend rate and up to $12 in ATM fee refunds per month simply by using your account! If you use your debit card, direct deposit, and online banking, this is the account for you.
Visit our website to learn more.
Earn up to $10 cash back each month, simply for using your 3Rivers debit card! How much you’ll earn is based on the quantity and dollar amount of debit card transactions that clear your account each month.
Visit our website to learn more.
Min Deposit: $25.00
Livin' Free Checking
The perfect spending solution for those aged 13-25. This account has no minimum balance requirement and helps you avoid fees as you begin managing your own finances.
Visit our website to learn more. Primary Applicant must be age 13-25.
Min Deposit: $25.00
Reward Checking
Reward Checking has all the flexibility of a regular checking account with the perk of dividend rates normally reserved for Money Market accounts.
Visit our website to learn more. $2000 minimum daily balance required.
Rate: (Link)
Min Deposit: $25.00
Standard Checking
With this basic checking account, you’ll have 24/7 access to your account with online and mobile banking, bill pay, and a MasterCard® debit card.
Visit our website to learn more.
Min Deposit: $25.00
You may select one of the following products
Available Products
APY (Annual Percentage Yield)
Your Selected Products
You already have Oversight Advantage - would you like to upgrade so your everyday debit card and ATM transactions are covered too?*
Avoid NSF fees. Have your checking account use available funds from your primary savings account if funds for a purchase are not available when a transaction clears.*
What color of debit card would you like? Example Image If you have a joint applicant, you may each have a separate color. Please indicate the joint applicant's debit card color preference in the comments on the final page of the application.*
You already have Oversight Advantage - would you like to upgrade so your everyday debit card and ATM transactions are covered too?*
Avoid NSF fees. Have your checking account use available funds from your primary savings account if funds for a purchase are not available when a transaction clears.*
What color of debit card would you like? Example Image If you have a joint applicant, you may each have a separate color. Please indicate the joint applicant's debit card color preference in the comments on the final page of the application.*
You already have Oversight Advantage - would you like to upgrade so your everyday debit card and ATM transactions are covered too?*
Avoid NSF fees. Have your checking account use available funds from your primary savings account if funds for a purchase are not available when a transaction clears.*
What color of debit card would you like? Example Image If you have a joint applicant, you may each have a separate color. Please indicate the joint applicant's debit card color preference in the comments on the final page of the application.*
You already have Oversight Advantage - would you like to upgrade so your everyday debit card and ATM transactions are covered too?*
Avoid NSF fees. Have your checking account use available funds from your primary savings account if funds for a purchase are not available when a transaction clears.*
What color of debit card would you like? Example Image If you have a joint applicant, you may each have a separate color. Please indicate the joint applicant's debit card color preference in the comments on the final page of the application.*
You already have Oversight Advantage - would you like to upgrade so your everyday debit card and ATM transactions are covered too?*
Avoid NSF fees. Have your checking account use available funds from your primary savings account if funds for a purchase are not available when a transaction clears.*
What color of debit card would you like? Example Image If you have a joint applicant, you may each have a separate color. Please indicate the joint applicant's debit card color preference in the comments on the final page of the application.*
What term would you like for your Any Purpose Savings Certificate? (Between 6 and 24 Months) The product will renew at a 3Month Term once the initial term is complete.*
Please contact a member of our Account Team at 800-825-3641 to better assist you. We are unable to move forward with your application at this time due to the following reason:
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
This modal is for testing the Apple Pay workflow only. It will not be displayed to the applicants. Press the Success button to simulate a successful Apple Pay transaction. Press the Fail button to simulate an unsuccessful Apple Pay transaction.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.
To reduce processing time, you may upload a copy of your driver's license and a second form of ID. Acceptable secondary forms of ID include: Utility Bill, Active Insurance Bill,Employment Badge (with picture), or Renter's/Buyer's Agreement.
Contact Preferences May we contact you regarding 3Rivers Products and Services at these contact methods? These calls may be generated using automated technology. These preferences pertain to the contact methods provided within the application.
Anticipated Activity Will you use your accounts to do any of the following on a consistent basis?
System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.
Contact Preferences May we contact you regarding 3Rivers Products and Services at these contact methods? These calls may be generated using automated technology. These preferences pertain to the contact methods provided within the application.
Anticipated Activity Will you use your accounts to do any of the following on a consistent basis?
To reduce processing time, you may upload a copy of your driver's license and a second form of ID. Acceptable secondary forms of ID include: Utility Bill, Active Insurance Bill,Employment Badge (with picture), or Renter's/Buyer's Agreement.
Contact Preferences May we contact you regarding 3Rivers Products and Services at these contact methods? These calls may be generated using automated technology. These preferences pertain to the contact methods provided within the application.
Anticipated Activity Will you use your accounts to do any of the following on a consistent basis?
Press this button if you want to assign an equal value to all beneficiaries.
In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.
the account owner is a US citizen or other US person (including US resident alien),
the Social Security Number (SSN)/Taxpayer Identification Number (TIN) provided for the account owner is their correct identification number,
and the account owner is not subject to backup withholding either because
they have not been notified that they are subject to backup withholding as a result of a failure to report all dividends or interest,
the IRS has notified them that they are no longer subject to backup withholding,
or they are an exempt recipient under the IRS Regulations.
Please note that if you are subject to backup withholding, a 24% withholding will be setup on all dividends earned on your accounts.
*
Own a Business? We can help you with your business money matters too. Would you like a Business Services representative to contact you?
Want to know more about Investments or Trusts?: Get down-to-earth, no obligation advice on retirement planning, college savings, wealth management, trust solutions and more.
Are you currently working with 3Rivers on a Mortgage loan?
3Rivers Member Insurance Are you interested in receiving information on saving money on your insurance premiums from our affiliate 3Rivers Member Insurance?
Read, Sign and Submit
Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.
You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.
We have not received a payment confirmation. Payment is required to complete your account activation. If you close the payment screen, a representative will reach out to you to complete the transaction.
We have encountered an error attempting to initialize payment processing. Your application has been successfully submitted. A representative will reach out to you to complete the funding of your account.
The total amount to be deposited for a product type cannot exceed the limit defined in the following table. Please adjust the deposit amount for your requested products so they do not exceed the limit.
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