The WalletCare Promise: Point 4
4. We will listen to your financial goals (college planning, retirement, etc.) to help you build your desired financial future.
WalletCare isn’t just for people who are struggling financially. Money matters are complicated and anyone may wonder if his or her future is truly sound. Even though your day-to-day finances are working just fine, maybe you’re concerned about securing your family’s money matters for the future. We want to find those opportunities to build a future that will give you even more peace of mind knowing you have everything covered for decades to come.
Savings accounts are great, no doubt about that. When you need to put some money away for an upcoming expense, or just for a rainy day, your Standard Savings account is a great tool. But if you’re planning something big…really big…like college tuition or retirement big, it’s a good idea to look at all of your options, and that’s what the last part of the WalletCare Promise is all about.
Even if you’ve already started your financial planning, we can give your portfolio a look and help you decide if there are changes that need to be made. Many people start a retirement plan, but don’t realize they’re in the wrong plan until it’s too late. We want to help you avoid that. After all, it’s your plan. Shouldn’t you be able to decide how it will work for you?
When you sit down for your WalletCare conversation (which I’m sure you’ve already scheduled with your local branch, right?), be sure to ask how we can help you solve those future financial needs too. We’re excited to be your partner in taking care of all your family’s money matters, both now, and for years to come.
That’s what WalletCare is all about.
The WalletCare Promise: Point 3
3. We will compare deposit accounts elsewhere to help you save and even grow your money.
We pride ourselves on having competitive rates on 3Rivers deposit accounts, but even more than that, we want to take the time to compare your current deposit accounts to see where you could save money on more than just rate.
That’s right, there’s more to a deposit account than just the rate, and when you sit down for a WalletCare conversation, we’ll look at things like fees, balance requirements, convenience factors, and other details that you may not realize are impacting your current accounts.
Fees
Every bank and credit union charges fees. Yes, we do too. But where we strive to set ourselves apart is our ongoing effort to help our members avoid fees whenever possible. At 3Rivers, we only charge fees for two basic reasons. Fees are meant to either make up the cost of providing a specific service (Foreign ATM fees) or to encourage healthier financial habits (Overdraft fees). If you ever want to know why a fee has been charged, just ask. We aren’t trying to hide fees, and we’ll always try to give you options to avoid them in the future. That’s one way we can determine the best deposit account for your spending needs.
Balance Requirements
That exciting deposit account you’ve seen advertised may seem great, but when you realize that it requires a minimum balance that isn’t realistic for you, that account may lose some of its appeal. If you’re looking for real answers about those “great deals” we’re happy to dig deeper with you and find out if they’re really as good as they sound. Chances are, 3Rivers probably has a better option for you.
Convenience Factors
Time is money. In most cases, even a slight rate increase is worth the convenience 3Rivers can provide. With 18 convenient branches, thousands of surcharge-free ATMs, and 24/7 access online and on your mobile devices, it may make more sense to keep your accounts at 3Rivers to avoid the hassle of dealing with an institution you can’t get to. Your WalletCare conversation will give you a chance to see just how convenient a 3Rivers membership can be.
Everything Else
Then there’s the rest. The key to a WalletCare conversation is taking the time to really examine your financial needs to find the right solutions personalized for you. We’re not just dealing a pre-packaged account bundle to everyone. We’ll listen to your needs and find the best way to save you time and money, not just with your deposit accounts, but with all of your money matters.
The WalletCare Promise: Point 2
2. We will review your debt to find ways to save you money in payment or total interest.
Debt. Even typing the word makes me shudder a bit. We know how burdensome debt can become, but we also know that debt is a necessary part of most of our financial lives. That’s why we make a point to examine our member’s debt situation during a WalletCare conversation. We aren’t interested in simple saddling our members with more debt. We want to help our members borrow better.
We know you have to borrow money occasionally. It happens. The key to our conversation is finding the best solution to make that debt manageable. In addition, if you’ve already borrowed somewhere else, but those debts are making life difficult for you, we want a chance to make that debt easier by moving it to 3Rivers.
How can debt be easier? There are a couple different ways to lessen the financial weight of your debt. First, you can refinance your debt to lower your monthly payments, freeing up more money each month so you can actually save for your future. But monthly payments aren’t the only way to save money. You can also restructure your debt to save a LOT of money over the life of your loan. By shortening the term of your loans, not only will you pay off your debt sooner, but you will also end up paying substantially less interest. These are the benefits of sitting down for a WalletCare conversation and taking the time to examine all of your opportunities.
If you’re interested in sitting down for a WalletCare conversation with us, visit your local 3Rivers branch today!
The WalletCare Promise: Point 1
1. We will complete a comprehensive financial review to help you find better ways to spend, save, and borrow.
When we say comprehensive, we mean comprehensive. We aren’t interested in just signing a few docs and sending you on your way with a new loan or account. We want to be sure we’re delivering true service to our membership and that means giving you our full attention every time we sit down with you.
We can answer all of your questions about your money matters, and we may ask a few of our own. To really provide the best financial solutions for your individual situation, we’ll have a productive and interactive conversation using tools that can determine where we might be able to offer better ways to spend, save and borrow. We’ll look at your debts, your savings plan, and we can even look at your household budget to find areas to make some effective changes.
Want to know more? In the Tools section of our website you can see for yourself what we use to help our members learn about their financial needs. Take a few minutes to check out these great tools, and you’ll see how important a comprehensive financial review can be for your financial health.
- Debt In Focus
- Loan Saver
- Calculators
In addition, if you’re interested in examining your credit report, we can help with that too. If you’ve ordered your own credit report through the credit bureau or through a free service such as AnnualCreditReport.com, we’d be happy to go through it with you and discuss ways to improve your credit and make a real impact on your money matters.
Again, WalletCare is no gimmick. It’s not a one-time deal. WalletCare is how we’ve always done business, and it’s how we’ll always do business, because we’re here to do one thing. We’re here to help our members make healthy financial decisions to keep our community strong.
If you’re interested in sitting down for a WalletCare conversation with us, visit your local 3Rivers branch today!
Think 3Rivers for ATM Fee Relief
According to a study conducted by the U.S. Government Accountability Office, there are an estimated 420,000 ATMs in the United States. And the fees that banks and credit unions charge non-customers/members for using them (aka, “Foreign ATM Fees”) have increased 20% from an average $1.75 per transaction in 2007 to $2.10 in 2012.
While some institutions charge as little as 45 cents for non-customer/member use, others have fees as high as $5. In addition to the amounts of the fees going up, more financial institutions are charging them too. Over the past five years, that number has increased from 87% to 96% as banks look to offset increased costs.
However, as the study also notes, consumers have many ways to obtain cash without incurring fees. 3Rivers is no exception. We have a variety of checking options – each designed to meet specific needs of a varied membership base:
- 3Rivers Members have access to tens of thousands of surcharge-free ATMs across the nation (note: depending upon which account you have with us, a $1/transaction foreign ATM fee may be applicable if you use those ATMs).
- Many of our checking accounts don’t charge foreign ATM fees – meaning you have completely free access to ATMs NATIONWIDE – just look for the AllianceOne, CU24 and Co-Op logos on the ATMs (or click here to find a surcharge free ATM near you).
- With Rhythm Checking, we’ll REFUND ATM SURCHARGES (up to $12 per month, $3 per transaction) if you incur any (monthly qualification requirements apply).
Wondering if you have the right checking option (whether at 3Rivers or another financial institution? Try out our simple Checking Solution Finder to help you navigate your choices.
 Live the ExperienceShare the Experience Own the Experience |
(800) 825-3641 © 2012 3Rivers Federal Credit Union |
»About Us |
»Solutions-Personal |
»Solutions-Business |
»Access»Contact |
|||||||