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Three Rivers routing numbers

Three Rivers's ACH and direct-deposit routing number depends on the U.S. state where you opened your account. For domestic wires, Three Rivers uses 274 973 222 (cross-checked against public directories — confirm before you send).

Cross-checkedNCUA 5300 Call Reportchecked June 28, 2026
⑆ Routing numbersThree Rivers
Direct deposit & ACHCross-checked

Direct deposit, payroll, and ACH transfers

Depends on your state

2 numbers · GA, IN

Three Rivers uses a different ACH routing number depending on the U.S. state where you opened your account. Find yours in the table below.

Find your state's number
Domestic wireUnconfirmed

Incoming and outgoing domestic wire transfers

274 973 222

Wires also need the recipient's name and address. Don't use this number for direct deposit — wire and ACH numbers are not interchangeable. Always confirm with the bank before you send money.

Type
credit union
Headquarters
Fort Wayne, IN
NCUA charter
159
NCUA reported assets
$2.8B
All numbers

Every Three Rivers routing number

Lookup tool
2 of 2
Find it yourself

Find your Three Rivers number in your account

Find your Three Rivers routing number

Where to look: a check, online banking, the mobile app.

  1. Look at the bottom-left of a Three Rivers check — the first 9 digits are your routing number.
  2. Or sign in to online or mobile banking and open your account or routing details.
  3. Or call the number on the back of your card and ask for the ABA routing number for your account.
  4. Confirm the number with the bank before using it for direct deposit or a transfer.
Before you send

Check these before you send money

  • Confirm the bank name on the transfer matches Three Rivers.
  • Match the number to the transfer type — ACH and direct deposit use one number, domestic wires another.
  • For wires, double-check the recipient's name and address too.
  • If instructions arrived by email, confirm them on Three Rivers's official site or phone line before sending.
  • No one should ever need your password or full card number to confirm a routing number — that's a scam.
FAQ

Three Rivers routing number FAQ

What is Three Rivers's routing number?

Three Rivers's ACH and direct-deposit routing number depends on the U.S. state where you opened your account. For domestic wires, Three Rivers uses 274 973 222 (cross-checked against public directories — confirm before you send). The 9-digit routing number identifies the bank on a transfer; your account number identifies you.

Does Three Rivers's routing number depend on my state?

Yes. Three Rivers assigns ACH and direct-deposit routing numbers by the U.S. state where you opened your account. Check the bottom-left of a Three Rivers check, your account details in online or mobile banking, or the routing-number table on this page to find the one for your state. Domestic wires use a single routing number regardless of state.

What's the difference between Three Rivers's ACH and wire routing numbers?

Use the ACH and direct-deposit number for payroll, direct deposit, and everyday transfers. Use the wire number for domestic wire transfers, which also need the recipient's name and address. The two are not interchangeable — sending an ACH payment with a wire routing number (or the reverse) can be rejected, so match the number to the transfer type.

How do I find my Three Rivers routing number?

Your routing number is the first 9 digits in the bottom-left of a Three Rivers check, or in your online and mobile banking under account or routing details. If anyone asks for your online-banking password or full card number to "verify" a routing number, it's a scam — a routing number alone is public.

Where is Three Rivers headquartered?

Three Rivers is a credit union headquartered in Fort Wayne, IN.

How does fin.codes check Three Rivers's routing numbers?

Every number passes the standard ABA checksum. 1 is cross-checked against multiple public routing directories. fin.codes is an independent reference, not a bank — always confirm transfer details with Three Rivers before sending money.

Is fin.codes affiliated with Three Rivers?

No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by Three Rivers.

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Independent reference. Not affiliated with, endorsed by, or authorized by any financial institution. Confirm routing or SWIFT details directly with your bank before sending money.