This document describes a finite element method for modeling complex 3D crack propagation in quasi-brittle materials like concrete. The method embeds cohesive elements between solid elements in initial finite element meshes to model potential cracks. Neither remeshing nor predefined crack paths are required. The method was implemented in ABAQUS and used to model crack propagation in four concrete structure examples, showing good agreement with tests or other simulations. The method offers engineers an efficient tool for 3D fracture modeling using a commercial finite element package.