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Fraud Protection
Fraud Defense HQ Scammers don’t rest, but neither do we. Stay informed, stay secure, and take action when you need to. Protect what matters most. SECURITY & FRAUD PREVENTION Scammers don’t rest, but neither do we. Stay informed, stay secure, and take action when you need to. Tax Scams: Fake IRS, Real Threats Scammers impersonate the IRS, demanding payment or personal info. Learn how to spot the fraud and keep your finances safe. View Blog Grandparent Scams: Protect Your Loved Ones A panicked “grandchild” calls, begging for help—but it’s a scam. Know the warning signs before your family is targeted. View Blog Phishing, Smishing & Vishing: Don’t Take the Bait Email, text, or phone—scammers will try anything to steal your info. Learn the red flags and how to stay one step ahead. View Blog Romance Scams: When Trust Turns Costly Not every “soulmate” is who they claim to be. See how scammers build trust, steal money, and leave victims heartbroken. View Blog Dispute a Charge Saw something suspicious? Whether it’s fraud or just an error, you have the right to dispute a charge. Online: You can dispute a charge as soon as you see it in online banking. By Phone: Prefer to talk to a real person? Call 833.316.3167, and we’ll take care of it. Contact Us Report a lost or stolen Card Your security comes first. If your debit card goes missing, report it right away so we can lock it down and get you a replacement fast. Call Us: Call our 24/7 Team at 833.316.3167 to report a lost or stolen card. Monitor Your Credit: Keep an eye on your credit report for unauthorized activity. Our credit monitoring tools can help you stay informed and protected.
Getting Started
Getting Started GETTING STARTED WELCOME TO BANKING UPLIFTED We’re glad you’re here. Let’s get you set up and ready to make the most of your new account.Don't have an account yet? Open an Account YOUR ROUTING NUMBER: 051409744 You’ll need this to set up direct deposit, pay bills automatically, transfer money between accounts, and link your 316 Financial account to other banks or payment apps. Save it for quick access when you need it. Fund Your Account Move money into your account by transferring from another bank or depositing a check through our mobile app. You can also send a wire and we’ll cover the fee. Click below to learn more. Wire Refund Activate Your Debit Card If you requested a debit card, it’s on the way. When it arrives, call the number on the sticker to activate your card and start using it right away. Set Up Direct Deposit Make your life easier by setting up direct deposit. Read more about getting started and download our direct deposit form. Get Started Frequently Asked Questions View All FAQs Can I add a co-owner to my account? At this time, adding a co-owner is also temporarily unavailable within online banking. We expect to restore this feature shortly and will notify you as soon as it becomes available. In the meantime, please contact a banker at 833.316.3167 or email us to add a co-owner to an existing account. Can I add beneficiaries to my account? Currently, adding beneficiaries within digital banking is temporarily unavailable. However, this can still be done manually. To add a beneficiary, please contact a banker by calling our support team at 833.316.3167 or email us to get started. Do I receive complimentary checks? Yes! Your first pack of 316 Financial checks is on the house, and available upon request. Give us a call at 833.316.3167 or email us to order. How do I find my interest rate in online or mobile banking? Log in to your mobile or online banking and select the account you’d like to check. Click on the Account Info button (located next to the History button). Scroll down to see your interest rate and APY. What is my routing number? 051409744
Checking
Interest Checking 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 CHECKING 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 An 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 RatesAPY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of March 6, 2025, and may change at any time. Fees, if applicable, may reduce earnings.
Savings
Interest Savings 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 SAVINGS 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 an 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 RatesAPY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of March 6, 2025, and may change at any time. Fees, if applicable, may reduce earnings.
Privacy Policy
Privacy Policy Your Privacy Matters At 316 Financial, your trust is our priority. As a division of Primis Bank, Member FDIC, we are committed to protecting your personal information and being transparent about how it’s used. Our privacy practices follow those of Primis Bank, ensuring the same level of security and protection for your data.Below, you’ll find our full privacy policy, outlining how we collect, use, and safeguard your information. If you have any questions, we’re always here to help.Click here to read our Privacy Policy PDF.WhyFinancial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.WhatThe types of personal information we collect and share depend on the product or service you have with us.This information can include:Social Security numberAccount balancesTransaction historyCredit historyAssetsEmployment informationHowAll financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Primis chooses to share; and whether you can limit this sharing.Reasons we share your personal informationDoes Primis Bank share?Can you limit sharing?For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYesNoFor our marketing purposes – to offer our products and services to youYesNoFor joint marketing with other financial companiesYesNoFor our affiliates everyday business purposes – information about your transactions and experiencesYesNoFor our affiliates everyday business purposes – information about your creditworthinessYesYesFor our affiliates to market to youYesYesFor non-affiliates to market to youYesYesTo limit our sharing:Call Toll-free 833-477-4647 for 24/7 Customer Service.Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.Questions? Call toll-free 1-833-4PRIMISWho we areWho is providing this notice?Primis means the following institutions: Primis Bank, Primis Mortgage Company, and divisions of Primis Bank that do not use the corporate name Primis.What we doHow does Primis Bank protect my personal information?To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.How does Primis Bank collect my personal information?We collect your personal information, for example, when you:Open an accountDeposit moneyApply for a loanUse your credit or debit cardGive us your contact informationWe also collect your personal information from others, such as credit bureaus, affiliates, or other companies.Why can’t I limit all sharing?Federal law gives you the right to limit onlysharing for affiliates’ everyday business purposes – information about your creditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to youState laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.What happens when I limit sharing for an account I hold jointly with someone else?Your choices will apply to everyone on your account.DefinitionsAffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.Our affiliates include companies with a common corporate identity of the Primis name such as Primis Bank, Primis Mortgage Company, and Primis Financial Corp.Non-affiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include insurance companies and co-branded partners.Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.Our joint marketing partners include credit card companies.Other important informationFor Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information withnonaffiliates either for them to market to you or for joint marketing – without your authorization.For California Customers. We will not share personal information with nonaffiliates either for them to market to youor for joint marketing – without your authorization. We will also limit our sharing of personal information about youwith our affiliates to comply with all California privacy laws that apply to us.For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit orshare relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.For Vermont Customers.We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.Additional information concerning our privacy policies can be obtained by calling 1-833-4PRIMIS.
Our Story
Our Story At 316 Financial, we harness the financial power of the Christian community to support causes that spread hope, faith, and make a lasting impact. WHO WE ARE Banking With a Higher Calling Rooted in Christian values, we offer a better way to bank. WHAT YOU VALUE MATTERS If you choose your friends, churches, businesses and radio stations based on your beliefs, why not choose your bank the same way? Play Video OUR STORY OUR STORY Tithing and charitable giving have reached historic lows in America, even as the combined household income of Christians is estimated in the trillions. Recognizing this disparity, we saw a profound opportunity: what if we could harness the financial power of the Christian community to give back to causes that make a lasting impact and reflect His teachings. As a bank, we have the unique ability to transform everyday transactions into meaningful contributions. By pooling resources, we can create a continuous stream of support for donation-dependent organizations—ones that spread messages of hope and faith, uplifting communities now and for generations to come. With this guiding purpose, we wanted our name to reflect the love, peace, and hope we strive to share. John 3:16, considered one of the most important verses in the Bible, shares God’s immense and never-ending love and hope for humanity. Inspired by this, we named our bank 316 Financial to ensure that hope and love remain at the heart of everything we do. 316 Financial turns every transaction into an opportunity to support causes that uplift and inspire. Frequently Asked Questions View All FAQs Am I required to donate money if I open an account with 316 Financial? No, you’re not required to donate—316 Financial takes care of that for you. We tithe 10% of our profits to organizations doing meaningful work, so your everyday banking automatically contributes to uplifting communities. Can I open an account now? Yes you can! Click the link to open an account and start banking with purpose. How did 316 Financial get its name? Our name is inspired by John 3:16, a verse that reflects love, hope, and generosity—principles we believe belong at the heart of banking. How does 316 Financial choose which organizations to support? At 316 Financial, we’re committed to giving with purpose. Our Financial Stewardship Committee meets quarterly to guide how donations are made, ensuring that every dollar goes to causes that reflect His teachings and create lasting impact. We’re laying the groundwork now and will share more details soon—but rest assured, our commitment to giving is thoughtful and principled. Is 316 Financial a bank? 316 Financial is a division of Primis Bank, Member FDIC. That means all of our banking services and deposit accounts are provided by Primis Bank, giving you access to the same trusted security and protections you’d expect from any FDIC-insured financial institution. Is my money safe with 316 Financial? Yes, your money is safe. As a division of Primis Bank, 316 Financial is a Member FDIC, which means your eligible deposits are insured up to $250,000 per depositor, per ownership category. FDIC insurance is automatically applied to your accounts at no cost to you. Plus, our banking platform is protected by advanced security measures to keep your information safe. Will I be able to talk to a real person if I need help? Yes! Our US-based customer care team is available 24/7, and you’ll always speak with real people—no outsourcing, no robots—just dedicated support whenever you need it. Click here to get in touch.
Limits
Limits 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.
Purpose
Purpose Discover 316 Financial’s purpose to strengthen communities through faith-based financial stewardship. Learn how we uplift the world with purpose-driven banking. OUR PURPOSE We exist to harness the financial power of our customers to advance His calling and uplift the world. OUR MISSION To be an exceptional bank guided by purpose, strengthening communities by tithing to support causes that spread messages of hope and faith. BANKING WITH PURPOSE We’re not like other banks—and that’s on purpose. We’re not guided by profits alone. We’re guided by our purpose. It’s why we’re here. We exist to harness the financial power of our customers to advance His calling and uplift the world. FINANCIAL STEWARDSHIP OUR VALUES HOPE We share a message of optimism and possibility, inspiring others to see a brighter future through faith, community, and meaningful action. QUIET LEADERSHIP We take the high road with humility and integrity in our actions, following the models of servant-hearted leadership found in scripture. GENEROSITY We follow in His footsteps, using our resources to give back in ways that create lasting impact, shaping lives today and for generations to come. GRATITUDE We hold deep appreciation for the trust our customers place in us and for the relationships we’ve built. We don’t take these blessings — or the gifts God has given us — lightly. LOVE We are called to love our neighbors as ourselves, creating a community that serves others with openness and compassion. FAQs Am I required to donate money if I open an account with 316 Financial? No, you’re not required to donate—316 Financial takes care of that for you. We tithe 10% of our profits to organizations doing meaningful work, so your everyday banking automatically contributes to uplifting communities. Can I open an account now? Yes you can! Click the link to open an account and start banking with purpose. How did 316 Financial get its name? Our name is inspired by John 3:16, a verse that reflects love, hope, and generosity—principles we believe belong at the heart of banking. How does 316 Financial choose which organizations to support? At 316 Financial, we’re committed to giving with purpose. Our Financial Stewardship Committee meets quarterly to guide how donations are made, ensuring that every dollar goes to causes that reflect His teachings and create lasting impact. We’re laying the groundwork now and will share more details soon—but rest assured, our commitment to giving is thoughtful and principled. Is 316 Financial a bank? 316 Financial is a division of Primis Bank, Member FDIC. That means all of our banking services and deposit accounts are provided by Primis Bank, giving you access to the same trusted security and protections you’d expect from any FDIC-insured financial institution. Is my money safe with 316 Financial? Yes, your money is safe. As a division of Primis Bank, 316 Financial is a Member FDIC, which means your eligible deposits are insured up to $250,000 per depositor, per ownership category. FDIC insurance is automatically applied to your accounts at no cost to you. Plus, our banking platform is protected by advanced security measures to keep your information safe. Will I be able to talk to a real person if I need help? Yes! Our US-based customer care team is available 24/7, and you’ll always speak with real people—no outsourcing, no robots—just dedicated support whenever you need it. Click here to get in touch.
Extended FDIC Coverage
Extended FDIC Coverage High-Balance Deposits Secured by the FDIC Insure balances up to $2 million per tax ID, for free. We do the work in the background and you continue to access and manage all your funds from within your 316 Financial banking app. Protecting Your Funds is More Important than Ever.The FDIC protects deposits up to $250,000 per depositor per insured bank for each account ownership category.If your 316 Savings balance at 316 Financial exceeds $250,000, and all deposits are within the same account ownership category, we can help secure up to $2 million in FDIC protection per tax ID or social security number. How It Works 316 Financial Extended Coverage Program You continue to manage all your deposits at 316 Financial from within your 316 Financial banking app. In the background, the 316 Financial Extended Coverage Program automatically moves deposits to our network of participating banks, outlined below, which are insured by the Federal Deposit Corporation (FDIC). The funds are evenly distributed across these banks. Therefore, if you hold accounts at any of the below banks, directly or through other intermediaries including broker dealers, please take note as your total deposits held at the bank may be over the $250,000 insurance limit for each category of legal ownership. To ensure your FDIC coverage, regularly review our network of participating banks. You may be required to take appropriate action to ensure you retain full insurance coverage at each participating bank. Per Savings Account, 316 Financial will sweep balances over $250,000 (Target Balance) and up to a maximum balance of $2,000,000 (maximum program deposit amount). The 316 Financial Extended Coverage Program is administered to 316 Financial by a technology service provider. This extended coverage program applies to 316 Financial Saving accounts. If you have a different deposit account and are interested in extended coverage, please contact your banker. Review Terms and Conditions Network of Participating BanksPlease note, the below list of participating banks is subject to change. CITY NATIONAL BANK METROPOLITAN COMMERCIAL BANK CITIZENS BANK, N.A. WESTERN ALLIANCE BANK BELL BANK SOFI BANK, N.A. UMPQUA BANK RENASANT BANK EXTENDED COVERAGE FAQS What is FDIC insurance? FDIC is an abbreviation for the Federal Deposit Insurance Corporation. The FDIC is an independent agency of the federal government that protects against the loss of insured deposits in the event an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States Government.The FDIC protects deposits up to $250,000 per depositor per insured bank for each account ownership category. How much does FDIC insurance cost? There is no cost for FDIC Insurance. It is automatic for any deposit account opened at an FDIC-insured bank such as 316 Financial. Does increasing my FDIC insurance change the APY I earn on my funds? No. You will continue to earn our competitive annual percentage yield (APY). Your FDIC coverage does not impact your rate. How can you offer more FDIC insurance than most banks? We partner with multiple banks to provide the best benefits to our customers. This partnership enables us to increase the standard FDIC covered to up to $2 million of coverage. This works the same way it would if you manually opened accounts with different banks. We just do it seamlessly and automatically and you can still access all your funds through 316 Financial. It is important that you maintain awareness of any deposits you might maintain at one of the other network banks as this may affect your coverage with that network bank. How is my account access impacted? There will be no impact to your account access. You will access your funds as you typically do. Extended coverage has no effect on your access to your funds. What if I already have an account at one of 316 Financial's network of participating banks? For purposes of insurance, the FDIC aggregates deposit balances of each customer held in the same insurable capacity at a particular bank (e.g., individual, joint, IRA, corporate). If you have an outside account at a bank in our network, the funds in that account will also count towards your total eligible FDIC insurance at that particular bank ($250K for individual accounts, $500K for joint accounts). You can review our current bank list above to determine whether you have any outside funds at these banks. You will not fully benefit from our extended coverage. How do I opt into the program? You do not need to opt in. 316 Financial customers with 316 Savings accounts are automatically receiving this benefit. How do I opt out of the program? To opt out of the program click here.Note, if you have an account at one of Primis Bank’s network of participating banks you will not fully benefit from extended coverage. Is 316 Financial partnering with the FDIC to provide this benefit? No, the program is administered by a technology service provider to 316 Financial — R&T Deposit Solutions. Is extended FDIC coverage available on other accounts? This particular coverage is specific to 316 Savings accounts. Info to Know The Demand Deposit Marketplace® (“DDM”) program is offered to you by 316 Financial (“us” or “we”), subject to the terms and conditions set forth in the DDM program Terms & Conditions provided to you. Please liaise with us regarding your participation in the DDM program, including for the DDM program Terms & Conditions, your customer statements and any questions you may have. Please contact us for a list of banks and other institutions into which your funds could be deposited through the DDM program. The DDM program is administered by Stable Custody Group II LLC (“Stable”). Stable and its affiliates are not depositories, banks or credit unions, and the DDM program is NOT, itself, an FDIC-insured or NCUSIF-insured product. Rather, under the DDM program, your funds are swept or placed into deposit accounts at participating banks or other financial institutions that are insured by the Federal Deposit Insurance Corporation (“FDIC”) and/or National Credit Union Share Insurance Fund (“NCUSIF”) for up to the current standard maximum deposit insurance amount (“SMDIA”) of $250,000 per eligible depositor, per insured participating institution, for each ownership capacity or category, including any other balances the depositor may hold at that institution directly or through other intermediaries, including broker-dealers. FDIC and NCUSIF insurance coverage is only available to protect you against the failure of a FDIC or NCUSIF insured institution, respectively, that holds your deposits under the DDM program (and not to protect against the failure of any other party, including Stable). The DDM program is primarily designed to provide administrative convenience for us to offer expanded FDIC or NCUSIF insurance on your funds, and is not designed to provide you with investment enhancements, higher rates of returns or profits on their funds. Demand Deposit Marketplace®, DDM®, Reich & Tang® and R&T® are registered marks of Reich & Tang Deposit Networks, LLC (“R&T”). Stable is a subsidiary of R&T.