3Rivers Mobile Banking vs PNC BeneFit Plus
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
3Rivers Mobile Banking
Manage your finances on the go with this comprehensive banking app. Deposit checks, view real-time balances, transfer funds, and pay bills. It also offers budgeting tools and card controls for enhanced security and financial management.
- Mobile check deposit
- Real-time account balances
- Money transfers and loan payments
- Bill Pay
- Person-to-person payments
- Budgeting tools
- Card controls
- Branch and ATM locator
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3Rivers Mobile Banking The 3Rivers Mobile Banking App is an easy-to-use banking solution that puts the credit union and our services in the palm of your hand 24/7—allowing you to manage your money anytime, anywhere. The ability to use the same username and password tied to your 3Rivers Online Account Access allows for a streamlined banking experience, no matter when or where you choose to log-in! With our mobile banking app, you can: • Deposit check(s)*. • See account balances in real-time. • Transfer money and make payments on loans and credit cards. • Pay your bills using Bill Pay. • Make quick and easy person-to-person payments. • Utilize budgeting tools to keep better track of your spending. • Set card control options, like spending limits and turning cards on and off, to protect against fraud. • Search for nearby branches and ATMs. In order to use our mobile banking app, you need to be enrolled in 3Rivers Online Account Access. If you don’t already have an online account, signing up is easy and takes just a few moments! Visit 3riversfcu.org/enroll on your computer, mobile device, or tablet to get started. To learn more, visit www.3riversfcu.org/mobile or email trfcuservice@trfcu.org *Remote deposits are only compatible with devices that have auto-focus cameras. They are not compatible with fixed-focus cameras. Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner. 3Rivers is federally insured by the NCUA.
PNC BeneFit Plus
Manage your health benefit accounts like HSA, HRA, and FSA on the go. Quickly check balances, view claims, and file reimbursements with secure, real-time access to your account details.
- Check account balances
- View account details and charts
- File claims for FSA and HRA
- Submit receipts via photo
- Manage HSA transactions
- Pay bills and add payees
- Report lost/stolen debit card
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PNC BeneFit Plus Mobile for Apple Devices¹ Save time and hassles while making the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply log in to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device • Your device will present you with a prompt to allow your location to be accessed; accepting the prompt will help minimize the request for additional security questions upon log in Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your medical FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Using the Dashboard, enter medical expense information and supporting documentation • Retrieve your forgotten username/password • Report a debit card as lost or stolen *This is not the PNC Mobile Banking app, which allows you to access your bank and brokerage accounts. For questions or support, call or email the PNC BeneFit Plus Customer Service Center at 844-356-9993 or pncbenefitplus@healthaccountservices.com No personal or sensitive data is stored on the PNC BeneFit Plus mobile app. ¹ PNC does not charge for the PNC BeneFit Plus Mobile App. However, a supported mobile device is needed. Also, your wireless carrier may charge you for data usage. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Apple®, iPod touch® and iPad® are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone® is a registered trademark of Apple Inc. PNC is a registered mark of The PNC Financial Services Group, Inc. (“PNC”). Banking and lending products and services, bank deposit products and treasury management services for clients and/or customers are provided by PNC Bank, National Association, a wholly-owned subsidiary of PNC and Member FDIC. ©2018 The PNC Financial Services Group, Inc. All rights reserved.
Screenshots
Verdict
The clearest difference is rating: 3Rivers Mobile Banking at 4.8 against PNC BeneFit Plus's 4.4. 3Rivers Mobile Banking also leads on ratings volume (20K vs 804) and update cadence (monthly vs every 3 months). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
3Rivers Mobile Banking holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: 3Rivers Mobile Banking has 20K ratings behind it against 804, so its average is the more settled of the two. Written reviews point the same way: 77% of 3Rivers Mobile Banking's written reviews are positive against 64% of PNC BeneFit Plus's.
3Rivers Mobile Banking ships an update monthly, PNC BeneFit Plus every 3 months. The most recent releases landed on October 31, 2026 and October 29, 2026 respectively.
| Parameter | 3Rivers Mobile Banking | PNC BeneFit Plus |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (20K ratings) — better | 4.4 (804 ratings) |
| Positive reviews | 76.8% of reviews — better | 64.1% of reviews |
| Number of ratings | 20K — better | 804 |
| Update frequency | Monthly — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 184 MB | 33 MB |
| Age rating | 4+ | 17+ |
| Developer | Three Rivers FCU | PNC Bank, N.A. |
Customer experience
3Rivers Mobile Banking
PNC BeneFit Plus
User reviews
3Rivers Mobile Banking
From 20K App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Convenient mobile banking
- 💳 Helpful credit card features
- 🤝 Friendly and professional staff
- 🏦 Reliable credit union
Room to improve
- 🐛 Frequent app crashes
- 🔍 Difficult to find certain features
- 🕰️ Slow app performance
- 🔒 Frustrating login process
- 💳 Missing credit card transaction details
PNC BeneFit Plus
From 804 App Store ratingsWhat we love
- 🚀 Quick and easy to use
- 👍 User-friendly interface
- 💡 Convenient for managing HSA
- 🚀 Straightforward reimbursement process
- 👍 Helpful for tracking expenses
Room to improve
- 🐛 Login issues, inconsistent biometric authentication
- 🐛 Slow and buggy app performance
- 🔒 Concerns about security and account access
- 🔍 Difficulties with claims and reimbursement approvals
Bugs and requests
3Rivers Mobile Banking
Reported bugs
4 issues- Login issues after updates
- External account linking not working
- Inconsistent transaction display
- Scheduled payments not functioning properly
Requested features
6 requests- Ability to manually add transactions to register
- Improved budgeting and categorization tools
- Integrated card controls within the main app
- Option to check off paid items
- Landscape mode support on iPad
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- Dark mode
PNC BeneFit Plus
Reported bugs
3 issues- App crashes and freezes
- Login credentials not saved properly
- Debit card issues and declined payments
Requested features
3 requests- Ability to itemize payments to payees
- Option to upload receipts immediately after charges
- Improved investment tracking and management
In-app purchases
3Rivers Mobile Banking
No in-app purchases
PNC BeneFit Plus
No in-app purchases
Questions
Is 3Rivers Mobile Banking free?
Is PNC BeneFit Plus free?
Which has better reviews, 3Rivers Mobile Banking or PNC BeneFit Plus?
Do 3Rivers Mobile Banking or PNC BeneFit Plus have ads?
Which is updated more often, 3Rivers Mobile Banking or PNC BeneFit Plus?
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