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316 Rewards Checking Account
Rewards Checking Account: Earn 1% Cash Back on Purchases Open a 316 Rewards Checking account to enjoy no monthly fees, 1% cash back on debit purchases, free ATM access, and real rewards. 316 Rewards Checking Account Rewards meet Purpose No monthly fees. Real rewards. Lasting impact. Open an Account No account fees 1% cash back on debit purchases Early direct deposit Free ATM access, nationwide. We refund fees at the end of each statement cycle. No overdraft fees FDIC-insured 24/7 care from real people Free credit monitoring tools Free starter pack of 316 checks Free cashier’s checks Free & Refunded Wires Advanced Fraud Protection Open Account WHY 316 FINANCIAL? We’re a bank with a greater purpose. You choose your church, your charities, your friends—even your radio station—based on your beliefs and values. Why should your bank be any different? At 316 Financial, we tithe 10% of our profits to causes that uplift communities and create lasting impact, all while delivering the rewards and service you deserve. We’re not like other banks—and that’s on purpose. Our Purpose FAQs BUILT FOR YOUR PROTECTION Security & Peace of Mind With advanced fraud prevention and free credit monitoring tools, you’re protected by cutting-edge systems that keep your money and personal information safe—so you can bank with confidence. A Perfect Pair Grow More with Savings Pair your 316 Rewards Checking with a high-yield savings account that earns an impressive 4.05% annual percentage yield* (APY)—helping you grow your money while keeping everything connected in one easy place. Learn More Info to Know Deposit AccountsDeposit accounts can be opened with as little as $1. These accounts are available online only and are not offered in Puerto Rico or other U.S. territories. Fees for ATM transactions will be refunded to your account the business day your statement cycle ends.RewardsRewards apply to all debit card purchases, but do not include ATM transactions. FeesWe don’t charge fees for account maintenance, overdrafts, or stop payments—no surprises, just honest banking. While we aim to be fee-free, some services, like remote online notary, may have a cost. See our Fee Guide for more information.
Limits
Limits | 316 Financial Your 316 Accounts Move Money Your Way Seamless transfers, transparent limits. We make moving money simple and seamless. Whether you're sending payments, withdrawing cash, or funding your account, we've got you covered with transparent limits and no hidden fees. P2P & Bill Pay With our digital banking tools, you can send money through Bill Pay and Peer-to-Peer (P2P) services, while also receiving funds through direct deposits and other P2P platforms. Consumer Per Transaction Limit Daily Limit Weekly Limit Monthly Limit P2P New $500 $500 $3,500 $10,000 P2P Tenured $2,500 $10,000 $25,000 $50,000 Bill Pay New $3,500 $5,000 $15,000 $25,000 Bill Pay Tenured $10,000 $25,000 $50,000 $100,000 ATM Transactions You can access cash from any ATM nationwide, with fees reimbursed at the end of each statement cycle. For security, ATM withdrawals are limited to $550 per day. Worried you can’t make deposits at the ATM? We’ve got you covered. Just use your phone’s camera and the 316 Financial app. All 316 customers can use our mobile check deposit feature to deposit up to $25,000 per day. ACH Transfers Moving money between 316 Financial and other banks is easy with ACH transfers. Daily Limit: $18,000 (incoming and outgoing)Monthly Limit: $100,000 (incoming and outgoing)Cost: Free for all incoming and outgoing transfersIf you need to transfer money outside of these customer limits learn how to make a wire transfer (we’ll even refund your fees). Initial Funding Limits Get started with your new account easily. Here’s what you need to know about initial deposits: 316 Rewards Checking: $6,000316 Interest Checking: $30,000316 Savings: $100,000Wire Transfers – We’ve Got You Covered We don’t charge fees for incoming wires, and we’ll even refund fees your other bank may charge—plus, we’ll add $10 for your effort. Just contact our support team with documentation to claim your refund. Send an email to get started.Need more details?Our U.S.-based customer care team is available 24/7 to assist with any questions. Click here to contact us.
Disclosures
Disclosures | 316 Financial Things You Should Know Disclosures At 316 Financial, we’re all about transparency and we want you to have easy access to our policies and guidelines that impact your finances. We’re sharing information here, but also remember to check within your online banking and mobile app for the most up-to-date information specific to your accounts. Interest Checking Download PDF Rewards Checking Download PDF Savings Download PDF E-sign Disclosure Download PDF Account Terms Check out the truth in savings specific to each product posted to our website.316 Truth in Savings Disclosures316 Interest Checking316 Rewards Checking316 Savings
316 Interest-Earning Checking Account
Interest-Earning Checking Account | 316 Financial Open a 316 Interest Checking account to earn a high APY with no monthly fees, no minimum balance, and free nationwide ATM access. 316 Interest-Earning Checking Account Big APY. Bigger Impact. With 3.80% annual percentage yield (APY*) and no monthly fees, it’s a better way to bank. Open an Account Earn 3.80% APY No account fees No minimum balance Early direct deposit Free ATM access, nationwide. We refund fees at the end of each statement cycle No overdraft fees FDIC-insured 24/7 care from real people Free credit monitoring tools Free starter pack of 316 checks Free cashier’s checks Free & Refunded Wires Open Account WHY WE GIVE Every Dollar Makes a Difference Giving isn’t always easy, but at 316 Financial, it’s automatic. We donate 10% of our profits to organizations that uplift communities and spread hope and love. This belief is what inspired us to start—and even shaped our name. Learn more about our story and how your banking can make a lasting impact. Our Stories FAQ PEACE OF MIND FDIC Protection. Advanced Security. You can bank uplifted—without compromising on security. With full FDIC coverage and advanced fraud protection, your money and personal information are always safe, giving you the confidence to bank with purpose. A PERFECT PAIR Maximize your earnings with 316 Savings. Pair your 316 Interest Checking with a high-yield savings account that earns an impressive 4.05% annual percentage yield* (APY)—helping you grow your money while keeping everything connected in one easy place. Learn More Info to Know Deposit AccountsDeposit accounts can be opened with as little as $1. These accounts are available online only and are not offered in Puerto Rico or other U.S. territories. Fees for ATM transactions will be refunded to your account the business day your statement cycle ends.FeesWe don’t charge fees for account maintenance, overdrafts, or stop payments—no surprises, just honest banking. While we aim to be fee-free, some services, like remote online notary, may have a cost. See our Fee Guide for more information.Interest and Rates*APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of December 1, 2025, and may change at any time. Fees, if applicable, may reduce earnings.
316 Interest-Earning Savings Account
Interest-Earning Savings Account | 316 Financial Earn a high APY with a 316 Savings account—no monthly fees, no minimum balance, and 24/7 support. Grow your money while supporting meaningful causes. 316 Interest-Earning Savings Account Earn 4.05% APY While You Give Earn 4.05% annual percentage yield (APY*) while your account helps support causes that uplift. No monthly fees. 24/7 support. Open an Account Earn 4.05% APY No account fees No minimum balance No overdraft fees FDIC-insured 24/7 care from real people Free credit monitoring tools Open Account WHY 316 FINANCIAL? We’re a bank with a greater purpose. You choose your church, your charities, your friends—even your radio station—based on your beliefs and values. Why should your bank be any different? At 316 Financial, we tithe 10% of our profits to causes that uplift communities and create lasting impact, all while delivering the rewards and service you deserve. We’re not like other banks—and that’s on purpose. Our Purpose FAQs FREE WIRE REFUNDS We cover the cost—and then some. We don’t charge you for incoming wires, and we’ll even refund fees your originating bank might charge. Plus, we’ll add an extra $10 for your effort. Simply submit a request with documentation to our team, and we’ll take care of the rest—because banking should be hassle-free. THE PERFECT MATCH Interest Checking + Savings Pair your 316 Savings with 316 Interest Checking for a complete banking experience that grows your money and keeps it simple—no fees, no hassle, just seamless banking with purpose. Learn More Info to Know Deposit AccountsDeposit accounts can be opened with as little as $1. These accounts are available online only and are not offered in Puerto Rico or other U.S. territories.FeesWe don’t charge fees for account maintenance, overdrafts, or stop payments—no surprises, just honest banking. While we aim to be fee-free, some services, like remote online notary, may have a cost. See our Fee Guide for more information.Interest and Rates*APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of December 1, 2025, and may change at any time. Fees, if applicable, may reduce earnings.