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Budget-Friendly Egg Decorating Ideas (Without Breaking the Bank)
Budget-Friendly Egg Decorating Ideas Celebrate Easter with budget-friendly egg decorating ideas—from painted potatoes to DIY dyes—perfect for fun without breaking the bank. Budget-Friendly Egg Decorating Ideas (Without Breaking the Bank) Author: 316 Financial Published: Thursday, April 3, 2025 Easter egg decorating doesn’t have to cost a fortune—especially with egg prices higher than ever. Here are a few creative and affordable ways to keep the tradition going without cracking your budget.Try “Eggstra” Materials Skip pricey eggs and decorate reusable alternatives like foam, wood, or plastic eggs from craft stores. They’re inexpensive, mess-free, and you can save them for next year. Even paper cutouts shaped like eggs can be a fun, budget-friendly way to get the family involved.Paint Potatoes Instead No, it’s not a joke—painting potatoes is actually catching on as a cheap and sturdy alternative to real eggs. They’re easier for little hands to decorate and cost less per dozen. Plus, you can cook them later to avoid waste.Edible Egg Alternatives Get creative with treats that double as decor. Mold Rice Krispies Treats into egg shapes or make Jell-O eggs in fun colors. They’re easy, affordable, and a hit with kids.DIY Dyes and Decor Forget the expensive dye kits. Make your own with items like coffee, tea, turmeric, or even beets for natural colors. Decorating with markers, stickers, or yarn is also an inexpensive way to keep things festive.Skip the Eggs Altogether If you want to avoid eggs entirely, try making salt-dough ornaments in egg shapes and let the kids paint them. They’re cheap to make and double as keepsakes to hang up next year.Remember, the eggs are fun—but Easter is about so much more. It's a time to reflect on hope, faith, and the promises that matter most. Happy Easter! The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
Understanding FDIC Coverage: What It Means for Your Money
FDIC Coverage Learn how FDIC insurance protects your deposits at 316 Financial. Understand what’s covered, how it works, and why your money is safe—up to $250,000. Understanding FDIC Coverage: What It Means for Your Money Author: 316 Financial Published: Monday, February 10, 2025 At 316 Financial, trust and security are non-negotiable. Banking services are provided by 316 Financial, a division of Primis Bank, Member FDIC—ensuring your eligible deposits are protected up to FDIC limits. But what exactly does FDIC insurance cover, and how does it work for you?What is FDIC Coverage?FDIC insurance is a government-backed protection that ensures your money is safe if an FDIC-insured bank ever fails. It gives you peace of mind by safeguarding your deposits up to a specific limit, no matter what happens in the financial world.Key Benefits of FDIC Insurance:Covers up to $250,000 per depositor, per ownership category, per FDIC-insured bank Whether you have one or more deposit accounts, your funds are protected up to the insured limit.Protects multiple types of accounts FDIC coverage applies to checking accounts, savings accounts, money market deposit accounts, and certificates of deposit.Guaranteed by the U.S. government Your deposit accounts are backed by the full faith and credit of the U.S. government.No cost to you FDIC insurance is automatically applied to your eligible accounts—no need to sign up or pay extra.How FDIC Coverage Works at 316 Financial316 Financial is a division of Primis Bank, Member FDIC. Your eligible accounts are covered through Primis Bank as an FDIC-insured institution. This means your 316 Financial deposits receive the same level of protection you'd expect from any major financial institution.Important Things to Know:Your deposits are insured up to $250,000 per depositor, per ownership category at Primis Bank.You don’t need to do anything extra—your coverage is automatic.FDIC insurance covers funds in deposit accounts only, not investments like stocks, insurance or crypto assets.FDIC insurance offers peace of mind, so you can focus on what matters most—growing your money and making a meaningful impact. Banking with 316 Financial means you’re not only supporting causes that uplift communities, but your deposit accounts are also backed by the trusted security of FDIC insurance. It’s just another way we’re committed to providing a better banking experience—one that’s both purpose-driven and protected.Want to learn more? Visit the official FDIC website for detailed information and tools to calculate your coverage. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
Get Paid Faster with Direct Deposit
Get Paid Faster with Direct Deposit Get paid faster with direct deposit. Learn how to set it up, access your funds early, and enjoy secure, hassle-free banking with 316 Financial. Get Paid Faster with Direct Deposit Author: 316 Financial Published: Monday, March 31, 2025 In today’s fast-paced world, managing finances efficiently is essential, and one simple yet impactful way to do so is by setting up direct deposit for your bank account. Direct deposit is a secure, convenient, and reliable method of receiving payments, whether from your employer, government benefits, or other sources. How Do I Set Up Direct Deposit? Download our direct deposit form. Fill out the form with your specific information.Talk to your employer or person that pays you. They may need additional paperwork or a voided check to complete the process. That’s it – easy as 1-2-3. Why Should I Set Up Direct Deposit? One of the biggest benefits is convenience. With direct deposit, you don't have to worry about going to the bank or waiting in line to deposit your paycheck. You can also get paid up to two days early! Once we’re notified of an upcoming direct deposit, we’ll go ahead and credit your account, up to two days early. This means faster access to your funds and less hassle. Security is another significant advantage. Direct deposit eliminates the risk of losing a paper check, reducing the chances of theft or misplacement. It’s also more environmentally friendly since it cuts down on paper use. Additionally, direct deposit can help you avoid late payments. With automatic deposits, you never have to worry about forgetting to deposit your paycheck, ensuring bills are paid on time. Many banks even offer early access to your funds with direct deposit, letting you access your money sooner than waiting for a traditional check. Lastly, setting up direct deposit can lead to better financial organization. When payments are automatically deposited, it's easier to track your income and spending, making budgeting and managing your finances simpler. Overall, setting up direct deposit can save you time, offer peace of mind, and help you stay on top of your financial game. It's a win for everyone!
Grandparent Scams: Protecting Those Who Matter Most
Grandparent Scams Learn how to spot and stop grandparent scams. Protect your loved ones from fraudsters who prey on emotions to steal money. Stay informed and safe. Grandparent Scams: Protecting Those Who Matter Most Author: 316 Financial Published: Monday, March 31, 2025 Scammers have no shame. One of their worst tricks? Grandparent scams—where they pretend to be a grandchild in trouble to steal money. These scams prey on love, urgency, and fear. Here’s how to spot them and keep your family safe. How the Grandparent Scam Works You get a call or text—"Grandma? Grandpa? It’s me!"They sound panicked—saying they’ve been in an accident, arrested, or stranded.They beg for money—usually through wire transfer, gift cards, or crypto.They ask you to keep it a secret—so parents won’t "get mad" or they won’t "get in trouble."How to Protect Yourself & Loved Ones Pause and stay calm. Scammers want you to panic. Take a deep breath before acting.Verify their identity. Ask a question only your real grandchild would know. Or call their actual phone number.Never send money quickly. No legitimate emergency requires secrecy or gift cards.Talk to family. If something feels off, check with another relative before responding.Educate loved ones. Have conversations with elderly family members about these scams.If you or someone you know has been targeted, report it immediately. And if bank info was involved, call us at 833.316.3167. At 316, we’re all about peace of mind. Check out more resources on avoiding scams by clicking here. bank316.com/security The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
Phishing, Smishing, Vishing: Don’t Take the Bait
Phishing Scams Learn how to spot phishing, smishing, and vishing scams. Stay alert and protect your personal info with tips from 316 Financial. Don’t take the bait. Phishing, Smishing, Vishing: Don’t Take the Bait Author: 316 Financial Published: Thursday, March 27, 2025 Scammers are getting creative, but their goal is always the same—to steal your personal information. Phishing, smishing, and vishing are different ways they try to trick you into handing it over. Here’s what you need to know to stay ahead. How These Scams Work Phishing (Email Scams): You get an email that looks legit—maybe from your bank, a friend or even your church. It asks you to click a link, update your password, or confirm your account details. The link leads to a fake site designed to steal your info.Smishing (Text Message Scams): A text pops up claiming you’ve won a prize, your account has been compromised, or you need to verify a charge. The link? A trap. Clicking it could install malware or steal your login credentials.Vishing (Phone Call Scams): A caller, often pretending to be from your bank, tech support, or even the IRS, pressures you to provide sensitive information over the phone. They may spoof a real phone number to seem credible.Red Flags to Watch For Urgency and fear tactics. “Act now, or your account will be locked!” Scammers want you to panic.Requests for personal info. No real company will ask for your passwords, PINs, or full Social Security number over email, text, or phone.Suspicious links. Hover over a link before clicking—if it looks strange or doesn’t match the sender, don’t trust it.Unexpected attachments. A random invoice, receipt, or tracking number? Don’t open it. It could be malware.Caller ID tricks. Just because it looks like your bank’s number doesn’t mean it is. Always hang up and call back using a trusted number.If you get a message, email, or call that feels off—stop, think, and verify. When in doubt, contact us directly at 833.316.3167. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
Romance Scams: When Love Isn’t What It Seems
Romance Scams Romance scams are on the rise. Learn how to spot the red flags, protect your heart and money, and help loved ones avoid online relationship fraud. Romance Scams: When Love Isn’t What It Seems Author: 316 Financial Published: Thursday, March 27, 2025 Love is a beautiful thing—but not when it’s a scam. Romance scams are on the rise, preying on good-hearted people looking for connection. These scams don’t just break hearts—they empty bank accounts. Here’s what you need to know to protect yourself and your loved ones. How Romance Scams Work Scammers create fake identities, gain trust, and then ask for money. It usually goes like this: They meet you online. Dating apps, social media, even faith-based groups—scammers know where to find people looking for genuine connections.They move fast. Sweet messages, deep conversations, even “I love you” within weeks. They make you feel special.They have a reason they can’t meet in person. They’re “stationed overseas,” “on a secret business trip,” or “dealing with a personal crisis.”They ask for money. The excuses vary—medical bills, travel costs, family emergencies—but the request is always urgent.Who’s at Risk? Anyone. But scammers often target:✅ Widows and divorcees looking for companionship✅ People of faith who trust easily and want to help✅ Older adults who may be less tech-savvy✅ Newcomers to online dating who don’t know the red flags How Victims Lose Money Scammers use different methods to drain bank accounts:🚨 Wire transfers: Hard to trace, impossible to reverse🚨 Gift cards: A common scam method—once the code is shared, the money is gone🚨 Cryptocurrency: Fast, anonymous, and untraceable🚨 Bank info: They might convince victims to "help" by depositing a check. sharing account details or opening an account for them. How to Stay Safe 💡 Be skeptical of online romances that move too fast💡 Never send money, gift cards, or crypto to someone you haven’t met in person💡 Watch for excuses when they refuse video calls or in-person meetings💡 Talk to someone you trust before making any financial decisions If you or someone you love might be caught in a romance scam, act fast. Stop all contact, report it to the FTC, and call us at 833.316.3167 if your bank account was involved. Real love is patient, kind, and never asks for money through a screen. Stay wise, stay safe. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
Scammers Are Posing as the IRS—Here’s How to Stay Safe
IRS Scams Scammers are posing as the IRS via text to steal your info. Learn how to spot fake messages, protect your data, and stay safe with tips from 316 Financial. Scammers Are Posing as the IRS—Here’s How to Stay Safe Author: 316 Financial Published: Friday, March 28, 2025 Scammers are using fake IRS texts to steal personal information, making it seem like you need to act fast to claim your payment. But the truth is simple: ✅ If you qualify, the IRS will send your payment automatically.✅ You’ll get it by direct deposit or check—no action required.✅ The IRS will never text you asking for personal or financial details. How to Spot a Scam: 🚨 The IRS doesn’t send texts about payments or ask for sensitive information.🚨 Official government websites end in “.gov”—scammers often use “.com” to look legit.🚨 If it feels off, trust your instincts. What to Do If You Get a Scam Text: 📌 Ignore it. Don’t engage or reply.📌 Don’t click any links. It could steal your personal data.📌 Report it. Forward scam texts to The U.S. Treasury Inspector General Hotline. At 316 Financial, we believe in protecting what matters most—including your financial security. Stay aware, stay safe, and always double-check before you trust. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
The $1 Rule: A Surprisingly Simple Way to Build Your Savings
The $1 Rule: A Surprisingly Simple Way to Build Your Savings Discover the $1 Rule—an easy, stress-free way to build savings. Learn how saving just $1 a day can grow into a meaningful financial cushion with 316 Financial. The $1 Rule: A Surprisingly Simple Way to Build Your Savings Author: 316 Financial Published: Wednesday, April 2, 2025 Saving money can feel overwhelming—especially when life is full of bills, responsibilities, and the unexpected. But what if the secret to growing your savings wasn’t about big sacrifices, just small steps? Enter the $1 Rule: the simple, no-stress way to build a financial cushion, one dollar at a time.Why $1 Matters More Than You ThinkIt’s easy to dismiss a single dollar. But saving money isn’t just about how much—it’s about consistency. Setting aside $1 a day adds up to:$30 a month—enough to cover a streaming subscription, a meal out, or a little extra gas.$365 a year—a holiday fund, a car repair, or a start to your emergency savings.$1,825 in five years—a serious financial cushion, without making any drastic lifestyle changes.Now imagine increasing that to $2, $5, or rounding up your purchases into savings. The habit of saving grows just as fast as the balance.Earn Interest—Grow Your Money FasterHere’s where the magic happens: when your savings earns interest, your money grows even faster. Instead of just stacking up what you put in, interest helps multiply your savings over time.With 316 Financial's Interest Savings, you earn 4.05% APY (annual percentage yield*), so every dollar you save is working for you. Even better? Your savings helps support causes that uplift—because banking should be about more than just money.Automate It and Forget ItThe easiest way to stick to the $1 Rule? Make it automatic. Set up a daily or weekly transfer to a high-yield savings account, and let time do the work for you. The more effortless it is, the more likely you are to keep saving.Small Steps, Big ImpactA dollar a day may not feel like much, but it’s proof that small actions lead to big results. And when you bank with a company that aligns with your values, every dollar has even more purpose. Remember, deposit accounts can be opened with as little as $1. *APY = 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. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
The Power of ‘Paying Yourself First’ (And How to Make It Happen)
The Power of ‘Paying Yourself First’ Learn the power of "paying yourself first" to build savings automatically. Prioritize your future with easy strategies and high-yield savings at 316 Financial. The Power of ‘Paying Yourself First’ (And How to Make It Happen) Author: 316 Financial Published: Wednesday, April 2, 2025 Most people handle money the same way: paycheck comes in, bills get paid, groceries get bought, and whatever’s left (if anything) goes into savings. The problem? There’s never "extra" money to save.That’s why the most financially successful people flip the script. They follow one simple rule: pay yourself first.What Does It Mean to Pay Yourself First?Paying yourself first means treating saving like a non-negotiable bill—just like rent, your phone plan, or electricity. Before you pay anyone else, you set aside money for your future.Why? Because if you wait until the end of the month to save what’s left over, you’ll always find something to spend it on.How to Make It Happen (Without Thinking About It)The trick is to make saving automatic so it happens before you even have a chance to miss the money. Here’s how:Set Up an Auto-Transfer – Have a percentage of your paycheck automatically deposited into savings. Even $20 a week adds up over time.Use High-Interest Savings – When your money earns interest, it grows even faster. With 316 Financial, you earn 4.05% APY (annual percentage yield*), helping you build wealth just by letting your money sit.Think of It as a Bill – Budget for your savings the same way you budget for rent or insurance. It’s not “extra”—it’s essential.Start Small & Increase Over Time – If 10% of your paycheck feels too ambitious, start with 5% or even 2%. The key is building the habit.Make It Harder to Spend – Keep your savings in a separate account from your checking. Out of sight, out of temptation.Your Future Self Will Thank YouThe beauty of paying yourself first? Over time, your savings grows without stress or sacrifice. And with no monthly service fees, 24/7 support, and an account that helps support causes that uplift, 316 Financial makes saving simple—and meaningful. Remember, deposit accounts can be opened with as little as $1. *APY = 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. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
Our Beginning: How 316 Financial Is Changing the Way You Bank
316 Financial Launch How 316 Financial Is Changing the Way You Bank Our Beginning: How 316 Financial Is Changing the Way You Bank Author: Abby Bender Published: Monday, March 17, 2025 FOR IMMEDIATE RELEASE March 17, 2025Media Contact: [email protected]Our Beginning: How 316 Financial Is Changing the Way You BankRICHMOND, Va. – 316 Financial proudly announces its official launch, offering customers across the United States a new way to align their faith and finances. A division of Primis Bank, Member FDIC, 316 Financial sets itself apart by tithing 10% of annual profits to charitable causes, allowing customers to bank with a company that shares their values.“We offer people the best of both worlds: a modern, tech-driven bank with all the bells and whistles that also gives back to causes that uplift and inspire. We call it banking uplifted.” – Jason Williams, Director of Digital Banking and Servicing. 316 Financial delivers a distinctly different experience than typical banks—one built on the belief that faith and finance can work together for good. At the heart of this new venture is its commitment to tithing 10% of profits to charitable causes, a principle guided by the 316 Financial Stewardship Board. This board ensures these contributions create meaningful impact, supporting organizations that uplift communities and spread messages of hope.Rooted in the values that reflect His teachings, 316 Financial is more than a bank—it’s a mission-driven financial partner, empowering customers to make a difference simply by choosing where they bank.Banking That Rewards and Gives Back316 Financial customers benefit from a suite of modern banking features, including:Rewards Checking with 1% cash back on every purchaseInterest Checking and Savings with competitive ratesFree Nationwide ATM access refunding fees each month if assessed24/7 customer care with real people who understand their customers’ values“We take pride in our ability to treat customers as valued members of our community no matter where they live in the United States. A part of what that means is that customers will always get a real person on the phone, no matter the time of day. Our care team understands where our customers are coming from because they often live in the same communities and share the same values.” – Joel Brusherd, Customer Care Center Supervisor.Looking Ahead: More Products, More ImpactAt launch, 316 Financial offers consumer banking products, but plans are already in motion to expand services. Upcoming offerings will include:Business accountsLending solutionsTailored financial products for churches and associationsBy combining cutting-edge banking technology with a mission-driven approach, 316 Financial is redefining what it means to bank with purpose.For more information, visit bank316.com or contact Abby Bender at [email protected].###About 316 Financial 316 Financial is a mission-driven bank that aligns faith and finances, tithing 10% of annual profits to charitable causes. A division of Primis Bank, Member FDIC, 316 Financial offers modern, tech-driven banking solutions while prioritizing generosity and service.Banking services are provided by 316 Financial, a division of Primis Bank, Member FDIC. Deposits at 316 Financial, Primis Bank, and any of its divisions, brands, or affiliates are aggregated to determine FDIC insurance coverage.