3Rivers Routing Number — 274973222
The 3Rivers Federal Credit Union routing number is 274973222 — the nine-digit ABA number that identifies the credit union for direct deposit, ACH payments and wire transfers. 3Rivers (also written Three Rivers Federal Credit Union) is a member-owned cooperative founded in 1936 and based in Fort Wayne, Indiana, serving more than 136,000 members across Indiana and Ohio. This is an independent member guide, not the official site.
What the 3Rivers routing number is used for
- Direct deposit — give your employer routing number 274973222 and your account number so pay lands in your 3Rivers account.
- ACH transfers — link an external account and use 274973222 to push or pull money electronically.
- Incoming wire transfers — provide 274973222 for domestic wires sent to your 3Rivers account.
- Autopay and recurring bills — utilities, loans and subscriptions use the routing number to draft payments on schedule.
- Ordering checks — the routing number is printed at the bottom-left of every 3Rivers check.
- Moving money between banks — connect 3Rivers to another institution's app using the routing and account numbers.
- Government and tax refunds — the IRS and Social Security use 274973222 to deposit refunds and benefits.
Direct deposit
Route your paycheck to 3Rivers with routing 274973222 and your account number.
ACH transfers
Send and receive electronic transfers between 3Rivers and outside accounts.
Wire transfers
Provide 274973222 for incoming domestic wires to your 3Rivers account.
Autopay
Set up recurring bills and loan payments that draft from your account.
Order checks
The routing number prints at the lower-left corner of every 3Rivers check.
Move money
Link 3Rivers in another bank's app to transfer funds securely.
How to set up 3Rivers direct deposit
To start direct deposit, give your payroll or benefits provider two numbers: the 3Rivers routing number 274973222 and your personal account number. Most employers ask you to mark the account as checking or savings. Deposits usually begin within one or two pay cycles, and roughly 93% of U.S. workers are paid by direct deposit, according to industry payroll surveys, so the setup form will be familiar to any HR team.
- Enter routing number 274973222 in the "bank routing" field.
- Add your 3Rivers account number and select checking or savings.
- Confirm the amount or percentage to deposit each pay period.
- Keep a check or a screen from 3Rivers online banking handy to verify the digits.
Need to sign in first?
Your account number lives inside digital banking. Open online banking, or use the official sign-in below — this guide never shows a password field.
Routing number vs account number
The routing number 274973222 is the same for every 3Rivers member — it identifies the credit union itself. Your account number is unique to you and should be protected like a password. On a paper check, the routing number is the first nine digits at the bottom-left, and your account number follows it. When a form asks for both, the routing number always comes first. For a deeper walk-through of member accounts, see checking & savings and current rates.
Wire transfers with the 3Rivers routing number
For an incoming domestic wire, the sender needs the Three Rivers Federal Credit Union routing number 274973222, your account number and the credit union's Fort Wayne, Indiana address. Wires typically arrive the same business day when sent before the cutoff. For outgoing or international wires, contact 3Rivers at 1-800-825-3641 first, because some transfers route through a correspondent bank with separate instructions. Deposits at 3Rivers are federally insured by the NCUA up to applicable limits.
Find the routing number in 3Rivers online banking
Signed-in members can confirm both numbers without a check. In 3Rivers online banking or the mobile app, open an account, choose account details, and the routing and account numbers are listed there. You can also read the routing number from the lower-left of any 3Rivers check or from a monthly statement. If you are near a branch, staff at one of the 25 locations across Indiana and Ohio can verify it in person. Because the routing number never changes, it is worth saving once you confirm it, so you are not hunting for a check every time an employer or biller asks. Members interested in opening a new account can review eligibility on the membership page before setting up a first deposit.
3Rivers key facts
3Rivers Routing Number — FAQ
- What is the 3Rivers Federal Credit Union routing number?
- 274973222 — used for direct deposit, ACH, autopay and wires on every 3Rivers account.
- Is the routing number the same for direct deposit and wires?
- Yes, 3Rivers uses 274973222 for domestic direct deposit, ACH and incoming wires. Confirm any extra steps for same-day or international wires.
- Where do I find my account number?
- In online banking, on a check, or on a statement — it is different from the routing number and should stay private.
- Is 274973222 a valid ABA routing number?
- Yes, it is the ABA number for Three Rivers Federal Credit Union, listed in the Federal Reserve routing directory.
- Does 3Rivers ask for my routing number by phone?
- You share it with employers and billers, but 3Rivers never calls asking you to confirm a passcode or password. See the safety guide.