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.
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.
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.
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.
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.
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
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!
By now you’ve seen us talking about WalletCare on TV and in our branches. We want to help everyone understand what WalletCare means so we’ve laid out a four-point Promise to explain what it’s all about.
The WalletCare Promise by 3Rivers
- We will complete a comprehensive financial review to help you find better ways to spend, save, and borrow.
- We will review your debt to find ways to save you money in payment or total interest.
- We will compare deposit accounts elsewhere to help you save and even grow your money.
- We will listen to your financial goals (college planning, retirement, etc.) to help you build your desired financial future.
When you come into a 3Rivers branch for a WalletCare conversation with one of our team members, you can expect to have each of these points covered because this is the only way we can be sure we’re helping you solve ALL of your money matters.
This isn’t a one-time flashy promotion. We’re not going to toss WalletCare away in 6 months and start doing business differently. In fact, we’ve already been delivering WalletCare to our communities for over 78 years, and we don’t plan on changing that anytime soon.
Keep following the 3Rivers blog as we’ll be breaking down the WalletCare Promise and explaining how these four points can help you solve your money matters.
You wouldn’t be alone if the weekend, some great weather, and an unused tax refund prompted a visit to a car lot. Before you head out, it’s a good to see just how much car you can afford. It’s easy to do with this simple calculator. In fact, you may want to take a look at a few of the other tools 3Rivers provides to help make the car buying process easier. Our auto loan calculators can help you decide if you should accelerate your auto payments, lease instead of buy, and more.
We can also help you protect your vehicle with mechanical breakdown protection, GAP coverage, and debt protection. Last, but not least if you’d like to get pre-approved before you start shopping, you can apply online.
Happy car shopping.
Getting in good financial shape is as important as being in good physical shape. Sometimes, you might have symptoms of financial stress and not even know about it. Join us at the Fort4Fitness Expo on Friday, September 28 from 1-8pm and lets talk more about your financial fitness. It’s about more than just making sure there is enough money to pay the bills, and we can show you how to use our upgraded (but still free) Debt in Focus tool to take an honest look at all your money matters to help reduce your debt. We can even help you work on a plan to make your money grow.
If you can’t make it to the Health Festival, you can still check on your financial health at any time by visiting 3riversfcu.org/debtinfocus. It’s free, anonymous, and may just help you get in tip-top financial shape.