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316 Financial, a division of Primis Bank, deposit products: FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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316 Rewards Checking Account

Rewards Checking Account: Earn 1.00% Cash Back on Purchases Open a 316 Rewards Checking account to enjoy no monthly fees, 1.00% cash back on your everyday 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 1.00% cash back on your everyday debit card 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.

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Privacy | 316 Financial 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 our Consumer Privacy Notice and our Online and Mobile Banking Services Privacy Notice, outlining how we collect, use, and safeguard your information. If you have any questions, we’re always here to help.View PDF | View Consumer Privacy Notice View PDF | View Online and Mobile Banking Services Privacy Policy

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316 Financial: Banking Uplifted Discover a better way to bank. 316 Financial delivers tech-forward technology paired with faith-based values. Online Statements Temporarily UnavailableSome customers may be unable to view their bank statements online. We’re aware of the issue and are actively working to resolve it as quickly as possible.We apologize for the inconvenience and appreciate your patience. 316 FINANCIAL IS Banking Uplifted Rooted in Christian values, we’re offering a better way to bank. Open an Account Recognized By Play Video 316 Financial: The Bank That Tithes 316 Financial: The Bank That Tithes It’s true—we donate 10% of our profits to causes that create lasting impact and reflect His teachings. It’s also true that we do this without cutting corners on rewards and service for you. We know that’s not what most banks do, and that’s exactly why we do it. Watch our video to learn more. Our Tithing Commitment Now Available 316 Business Banking Is Here 316 Business Interest Checking Designed for higher balances—earn more interest without added fees. 316 Business Rewards Checking Earn rewards on everyday business purchases. 316 Business Savings Save with purpose—earn interest, enjoy no fees, and access smart financial tools. 316 Ministry Checking Built for churches, ministries, and nonprofits, 316 Ministry Checking aligns your finances with your mission—so every dollar can go further. WHO WE ARE Not Business as Usual It’s time to align your faith and your finances. You choose your church, your charities, your friends, and even your radio station, based on your beliefs—so why not your bank? Unlike traditional banks driven by corporate interests, we’re guided by faith, purpose, and values that shape everything we do. Our Values A Mission-Driven Bank Banking With Purpose Tithing and charitable giving have declined for decades—even as the need has never been greater. So, we asked: what if a bank could help change that? That’s why 316 Financial tithes 10% of our profits to support causes that spread hope, faith, and reflect His teachings. Be part of something bigger. Open your account today and turn everyday banking into a force for good. Get Started Our Tithing Commitment Community Uplifted We’re dedicated to keeping love and hope at the center of everything we do. A Safe Place Partnering with A Safe Place, volunteers helped provide support and resources to trafficking survivors. Hope In Every Page Spreading hope, one book at a time! Our volunteers donated books to Children's Hospital of Richmond at VCU. Supporting Ministry Leaders Conversations with church and ministry leaders at the Christian Stewardship Network Forum, exploring how we can better serve those helping others steward what God has entrusted to them. 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 at foreign (non-Primis) will be refunded to your account the business day your statement cycle ends.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.