Posted by William Charles on July 8, 2018
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Published on July 8th, 2018 | by William Charles


[Expired] [IN only] 3Rivers Federal Credit Union $100 Checking Bonus + $50 Per Referral

This bonus is no longer being offered. Click here to view the best current checking bonuses.

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: IN only
  • Direct deposit required: Yes, no minimum mentioned
  • Additional requirements: None
  • Hard/soft pull: Soft pull
  • ChexSystems: Unknown, sensitive?
  • Credit card funding: Up to $500
  • Monthly fees: None/Avoidable
  • Early account termination fee: $25, 90 days
  • Household limit: None listed
  • Expiration date: August 31st, 2018 September 30th, 2018

The Offer

Direct link to offer

  • 3Rivers Federal Credit Union is offering a bonus of $100 when you open a new checking account and complete the following requirements:
    • Open eligible account (Rhythm Dividends, Rhythm Tunes, Reward, Livin’ Free, or Onward checking for personal accounts and Essential Business Checking, Community Checking, and Business Plus Checking for business accounts)
    • Use promo code SWITCH
    • Receive a direct deposit or automated payment established on or before 8/31/2018
  • You can also refer friends & get $50. Share & use referral details here.

The Fine Print

  • Limited time offer that may end early without advance notice.
  • Eligible consumer checking accounts include Rhythm Dividends, Rhythm Tunes, Reward, Livin’ Free, or Onward checking. Eligible business checking accounts include Essential Business Checking, Community Checking, and Business Plus Checking. Switched checking relationships during the promotional period will receive $100 within 30 days of the end of the campaign, or before September 30, 2018 if all eligibility requirements are met.
  • Must be an active 3Rivers member and in good standing with the credit union at time of payout and have a direct deposit or automated payment established on or before 8/31/2018.
  • The promo code “SWITCH” must be entered at account opening.
  • Offer is void if the person has had any existing 3Rivers checking account open within the last 6 months.
  • 3Rivers employees are excluded.
  • Payout may be considered interest and, as such, 3Rivers will be providing an IRS form 1099 INT. Please consult with your tax preparer with any questions.

Avoiding Fees

Monthly Fees

Livin’ free checking account has no monthly fee to worry about. This is only available to those aged 15-25. Otherwise you need to open the rewards checking account, this has a monthly fee but is waived with a balance of $2,000+

Early Account Termination Fee

According to the fee schedule

Our Verdict

The small amount of credit card funding might be useful for some readers. Not the biggest bonus and it does have a monthly fee to worry about, still worth doing for people that have already done all of the bigger bonuses in their area. I’ll add it to the best checking bonuses, but we will be well down the list.

Big thanks to reader, CreditGuy1234 who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:

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I opened the Rewards Checking account last Friday. It was a soft pull, and had $500 in credit card funding available with a Visa or Mastercard. A CSR did call me to question my all my recent accounts. She wanted to make sure no one was opening accounts in my name. Just told her I was trying many new banks in the area. I’ve opened about 20 in the last year.

Please use check out the referral page if you want to use my referral.

One note, the Livin Free Checking account is only available for ages 15-25. If you outside that age bracket, probably the next best account is the “Reward Checking” which requires a $2000 balance to avoid the monthly fee.


Also, There is 1 branch in St. Mary’s OH, so anyone in Ohio could try this as well.


Successfully opened from out of state. Funded $500 on Citi DC. Im a little hesitant to provide full detail here as my referral link on the next page has my full name, etc. DoC you tell me. Applied on Monday night at 2am and had phone call about app from bank by 10am same day. They are fast.

Hit me at u/duuuuuuval for full details.


what did u select @ qualifying relationship?


The additional questions asked over the phone were nothing new in this game. My favorite was when they asked about all of my bank inquiries. “I prefer to use a local bank where ever I am. I have never found a bank that didnt want to hold my money.”

A fellow out of state user advised he worked with same CSR but outcome was not as favorable.


Applied on the 24th and denied on the next day due to Chex with 15+ inquiries in the past 12 months.


FYI, I was charged a $5 fee, even though I moved the $2k within about 10 days of opening the account. Most places will give you some leeway for that first month, since its pretty impossible to meet a min daily balance from day 1. I sent a secure message to try and get the fee waived.


Which account did you open? I opened Rhythm Tunes and you have to meet these lengthy requirements to avoid the $7/month fee (I have met them, no fee yet):
• Make 10 or more 3Rivers debit card purchases that clear during the monthly qualification cycle*
• Receive 3Rivers eStatements
• Sign into Online Access or 3Rivers Mobile Banking at least once per qualification cycle**
• And at least one of the following:
1. Have a direct deposit into your Rhythm Checking account
2.Have at least one automatic payment not using your debit card but simply using your Rhythm Checking account and routing number (monthly phone bill, weekly daycare or monthly insurance payment, etc.)
3. Pay at least one bill from your Rhythm Checking account through Online Bill Pay each month

The fine print on an obscure document that specifically mentions the fee:
“A $7 monthly maintenance fee applies to Rhythm Checking if monthly qualifications are not met.”


I opened the Rewards checking and was able to get them to waive the fee since it was the first month I opened the account, nearly impossible meet a “minimum daily balance” the firs month opening the account.



Chase Hyatt (not World of Hyatt card) $500 CC funding coded as purchase!



$490 to open checking and $10 to open savings on Chase Sapphire Preferred coded as purchase 8/31/2018.


Received a confirmation e-mail today that I qualified for their Switch/Referral campaign reward. Said the reward should be appear in my account on or before September 30, 2018.


7/13 Opened, funded $500 w/ Ink Preferred (purchase) – I’m in IN but not in the targeted counties
7/19 KeyBank $50 deposit (“External Deposit”)
9/25 Received $100 bonus

* Opened Rhythm Tunes and have received $20 back ($5/month + $15 bonus) for buying Amazon balance reloads (after meeting all their requirements). I’ll keep the account open for now to continue getting $5 free at Amazon.
* Used CreditGuy’s referral code.


7/10/18 – Opened reward checking online out of state with $500 Citi DC funding
8/17/18 – $400 employer DD and Ally ACH to meet req min ADB
9/24/18 – $100 bonus payment

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