3Rivers Business Banking & Services
3Rivers Business Banking & Services covers the accounts, financing and cash-management tools a company needs from Three Rivers Federal Credit Union — business checking and savings, business loans and lines of credit, SBA lending, merchant services and treasury. This is an independent member guide, not the official 3Rivers site.
As a member-owned cooperative founded in 1936, 3Rivers extends the same not-for-profit model to businesses across Indiana and Ohio. Rather than serving outside shareholders, the credit union reinvests earnings into member value, which can mean competitive business rates and lower fees. The sections below outline the main business products and where to confirm current terms.
For small and mid-sized companies, the appeal of a credit union is often the mix of local relationships and practical tools. A lending decision that stays in the region can move faster than one routed through a distant head office, and the same team that opens your operating account can usually help structure a loan or set up merchant processing. Three Rivers positions its business services to cover the full lifecycle — from a first checking account for a new venture to treasury services for an established employer.
Business deposit accounts
Every business relationship usually starts with an operating account. 3Rivers offers business checking for day-to-day transactions and business savings or money-market options to hold reserves. Pairing the two keeps working cash accessible while set-aside funds earn a return.
Business checking
Everyday operating accounts for payroll, vendors and card acceptance, with online and mobile access.
Business savings
Reserve and money-market options to hold set-aside funds while earning a return on idle cash.
Business cards
Business credit and debit cards to separate company spending and track expenses cleanly.
Business loans and lines of credit
When a business needs capital, 3Rivers offers term loans for equipment and expansion, revolving lines of credit for working capital, and commercial real estate financing. For qualifying companies, SBA-backed lending can lower the barrier to financing with government-guaranteed structures. Actual rates and terms depend on the business and are confirmed with the lending team — compare against current 3Rivers rates and the broader loan options.
Business financing at a glance
- Term loans for equipment, vehicles and expansion projects.
- Lines of credit for working capital and seasonal cash flow.
- Commercial real estate financing for owner-occupied property.
- SBA-backed loan options for qualifying small businesses.
Merchant, cash management and treasury
Beyond accounts and loans, Three Rivers supports the daily mechanics of running a business. Merchant services let you accept card payments in person and online, while treasury and cash-management tools help larger operations control money movement and reduce fraud exposure.
Cash-management features commonly include ACH origination for payroll and vendor payments, remote deposit capture, positive pay for check fraud control, and account sweeps. These tools scale with the business, so a growing company can add capabilities without switching institutions.
Bank securely online
3Rivers business digital banking is accessed only on the official site. This guide links you there and never shows a password field.
Sign In ›Why businesses choose a credit union
3Rivers serves more than 136,000 members and reports roughly $2.8 billion in assets. Deposits, including business accounts, are federally insured by the National Credit Union Administration up to applicable limits — see the official NCUA site for details. For many owners, the appeal is local decision-making paired with the member-owned, not-for-profit structure 3Rivers has kept since 1936.
3Rivers business banking — FAQ
- What business accounts does 3Rivers offer?
- Business checking and savings, loans and lines of credit, merchant services and treasury tools. Start at membership.
- Does 3Rivers offer business loans?
- Yes — term loans, lines of credit, commercial real estate and SBA options. Compare current rates.
- Can a business join 3Rivers?
- Businesses in the Indiana and Ohio area 3Rivers serves can generally join; eligibility is confirmed at account opening.
- Does 3Rivers offer merchant services?
- Yes, including card acceptance plus ACH, remote deposit and positive pay through business online banking.