Personal Banking

Personal Banking Solutions

Core Banking Features

Every Bank3 personal checking account includes these comprehensive benefits:

  • No fees for domestic ATM transactions nationwide

  • Unlimited transactions and check writing privileges
  • Mastercard® debit card with chip technology
  • Complimentary online banking and electronic statements
  • Mobile banking application with 24/7 account access
  • Integrated bill pay services

Bank3 Checking

Our foundational personal checking account designed for everyday banking needs with maximum convenience and value.

Enhanced Features:

  1. No monthly maintenance fee
  2. All core banking features included
  3. Complimentary automated transfer services between Bank3 accounts to help manage overdraft protection

Interest Checking

A checking account that combines daily banking convenience with the opportunity to earn on your account balance.

Enhanced Features:

  1. Competitive interest earned on collected balances
  2. All core banking features included
  3. $10.00 monthly maintenance fee (waived with $2,500 average collected monthly balance)

Personal Savings Solutions

Traditional Savings Account

A fundamental savings solution ideal for building your financial foundation with steady, reliable growth.

Account Details:

  • $100 minimum opening balance
  • Interest compounded quarterly
  • $5.00 quarterly maintenance fee (waived with $250 average quarterly collected balance)
  • FDIC insured protection

Money Market Account

Enhanced savings with competitive tiered interest rates and convenient access to your funds.

Account Details:

  • $2,500 minimum opening balance
  • Tiered interest rate structure based on account balance
  • $10.00 monthly maintenance fee (waived with $2,500 average collected monthly balance)
  • Limited monthly transaction privileges

Advanced Money Market Account

Our premier money market solution featuring sophisticated rate structures and enhanced earning potential.

Account Details:

  • $2,500 minimum opening balance
  • Advanced tiered interest rate structure with premium earning opportunities
  • $10.00 monthly maintenance fee (waived with $2,500 average collected monthly balance)
  • Complimentary online banking platform with advanced account management tools

Certificates of Deposit

Secure, fixed-rate investment options designed to maximize your savings growth over predetermined time periods.

Features:

  • Flexible term options to meet your financial timeline
  • Multiple interest payment methods available
  • Automatic renewal options for continued growth
  • FDIC insured protection up to applicable limits

Specialized Deposit Solutions

Insured Cash Sweep ® (ICS)

An innovative cash management solution offered through Bank3’s strategic partnership with IntraFi Network, providing comprehensive FDIC protection for substantial account balances.

Key Benefits:

  • 100% FDIC insurance coverage for balances exceeding $250,000
  • Single-relationship convenience with Bank3 as your primary contact
  • Automated sweep functionality for seamless account management
  • Institutional-grade cash management with personal banking simplicity

Certificate of Deposit Account Registry Service ® (CDARS)

A sophisticated certificate of deposit program available through Bank3’s partnership with IntraFi Network, designed for clients requiring enhanced FDIC protection on time deposit investments.

Key Benefits:

  • 100% FDIC insurance coverage on CD balances over $250,000
  • Access to competitive rates across multiple institutions
  • Single-relationship management through Bank3
  • Flexible terms and automatic renewal options

FAQ

Bank3’s ABA routing number is 084304968. You’ll need this number for direct deposits, wire transfers, and other electronic transactions.

Currently, Bank3 requires all new accounts to be opened in person at one of our branch locations to ensure proper identity verification and provide you with personalized service. Please visit www.bank3.com/locations to find a convenient location near you and schedule an appointment with one of our banking specialists.

Since products and customer needs vary, please visit one of our locations so one of our dedicated team members can help you. www.bank3.com/locations

Yes, with $100.00 USD you can open an account with Bank3.

If you suspect fraudulent activity or need to report a lost or stolen debit card, please contact us immediately:

  • Lost/Stolen Debit Cards: Call our 24/7 toll-free number at 888-297-3416
  • Suspicious Account Activity:

Yes, you can change your debit card PIN by calling 888-891-2435. Please remember that Bank3 will never ask you for your PIN over the phone or via email, and this information is never visible to our staff members for your security and privacy.

You can activate your new debit card using either of these convenient methods:

Bank3 Mobile App:

  1. Log into the Bank3 mobile app
  2. Navigate to “Card Management”
  3. Follow the activation prompts

ATM Activation:

  1. Visit any ATM
  2. Insert your new card and enter your PIN (mailed separately)
  3. Perform a balance inquiry or make a withdrawal to complete activation

Please contact Bank3 support by emailing us at support@bank3.com , visit one of our branches www.bank3.com/locations or give us a call at 833-623-2265

When reconnecting your Bank3 account to Venmo, error messages can occur due to several common reasons:

Common Issues:

  • Incorrect login credentials: Ensure you’re using your current Bank3 username and the password you set during re-enrollment for the new platform
  • Account not fully activated: Verify that your Bank3 online banking connection is active. If you recently transitioned to the new platform, you may need to reconnect your accounts by logging into Bank3 online and verifying your account settings
  • Outdated app or browser: Use the latest version of the Venmo app and ensure your device’s browser or app is up to date
  • Security restrictions: Bank3 uses advanced security measures like multi-factor authentication and Software-Defined Access (SDA). Sometimes, these can block third-party connections if additional verification is needed
  • Temporary system downtime: Bank3’s systems may have scheduled maintenance or transition periods that affect connectivity

Troubleshooting Steps:

  • Double-check your Bank3 login credentials and re-enroll if needed
  • Log in to your Bank3 online banking platform to confirm your account is active and properly linked
  • Update your Venmo app and device software
  • If the problem persists, contact Bank3 support at support@bank3.com or visit a Bank3 branch for personalized assistance

We offer foreign currency ordering services exclusively for our customers. Please note, we are unable to accept non-U.S. currency for exchange.

Ready to discover your ideal banking solution? Contact your local Bank3 banking center or email us to discuss which accounts best align with your financial goals and lifestyle needs.

Important Account Opening Information

Customer Identification Program Notice: To help the government combat terrorism financing and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information identifying each individual opening an account.

What this means for you: When establishing your account relationship, we will request your name, physical address, date of birth, and additional identifying information. We may also require examination of your driver’s license or other government-issued identification documents to complete the account opening process.