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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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Our Story

Our Story | 316 Financial At 316 Financial, we 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 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. 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. 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. 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. 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.

Purpose

Our Purpose | 316 Financial 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 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. 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. 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. 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. 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.

Extended FDIC Coverage

Extended FDIC Coverage High-Balance Deposits Secured by the FDIC Your 316 Savings account is now eligible for up to $2 million in FDIC insurance per tax ID, at no cost to you.You’ll still manage everything right from your 316 Financial app—same experience, more protection behind the scenes. Your Savings Deserve Stronger Protection We believe safeguarding your finances is part of good stewardship. The FDIC protects deposits up to $250,000 per depositor, per insured bank, for each account ownership category.If your 316 Savings balance exceeds $250,000—and your deposits are held under the same account ownership category—we can help you secure up to $2 million in FDIC insurance coverage per tax ID or Social Security number. How It Works You’ll continue managing your savings just like you always have—right from your 316 Financial app.Behind the scenes, our Extended Coverage Program quietly and securely moves any balance over $250,000 to a network of trusted, FDIC-insured partner banks. This helps extend your protection up to a combined total of $2 million per depositor, per tax ID or Social Security number, across all eligible accounts.Keep in mind: deposits held at 316 Financial, Primis Bank, and any of its divisions, brands, or affiliates are aggregated when determining FDIC insurance coverage.The process is seamless and automatic. Your money remains fully accessible through 316, and your experience doesn’t change.To maintain full FDIC coverage, it’s important to be aware of any deposits you may also hold—directly or indirectly—at one of our partner banks. Your total deposits at each institution count toward the $250,000 FDIC insurance limit per legal ownership category. You can review the current list of partner banks below and take action if needed to stay fully covered.This program is administered by our technology partner, R&T Deposit Solutions, and currently applies to 316 Savings accounts only, as well as select accounts from Primis Bank and affiliates. If you’re interested in extended coverage on another account type, just reach out—we’re here to help. 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 Does this change the rate I earn on my savings? Not at all. You’ll continue to earn the same competitive APY on your 316 Savings account. The added insurance doesn’t impact your rate or returns. How does FDIC coverage work across 316 Financial and Primis Bank? Banking services are provided by 316 Financial, a division of Primis Bank, Member FDIC. That means your deposits at 316 Financial, Primis Bank, and any of its divisions, brands, or affiliates are combined to determine your total FDIC insurance coverage. If you hold other accounts with Primis or its related entities, those balances will be aggregated under your FDIC insurance limits. Will I still access my account the same way? Yes. Nothing changes about how you access or manage your money. You’ll still use the 316 app or website—no extra steps needed. What if I have an account at one of the participating network banks? FDIC coverage is aggregated by depositor and ownership category at each bank. If you already have funds held at one of our partner banks—either directly or through another financial service—those balances count toward your $250,000 FDIC limit at that bank. Check the current list of participating banks and review your total deposits to ensure you remain fully covered. What is FDIC insurance? FDIC stands for the Federal Deposit Insurance Corporation, an independent agency of the U.S. government. It protects depositors by insuring funds held in eligible accounts—up to $250,000 per depositor, per insured bank, per ownership category. Do I need to opt in to receive this protection? Nope. If you have a 316 Savings account, you’re automatically included in the Extended Coverage Program. How does extended FDIC coverage work? We partner with a network of FDIC-insured banks to distribute your funds and extend your protection. This allows us to insure up to $2 million per tax ID or Social Security number across all eligible 316 Savings accounts. It’s the same as opening accounts at multiple banks—but we do it for you, seamlessly and behind the scenes. How much does FDIC insurance cost? There’s no cost to you. FDIC insurance is automatic for all eligible deposit accounts at FDIC-insured institutions—including 316 Financial as we are a division of Primis Bank, Member FDIC. Is extended FDIC coverage available on other 316 accounts? Right now, extended coverage applies only to 316 Savings accounts. If you’re interested in additional protection for another type of account, reach out—we’re happy to help. Is this program provided by the FDIC? No, but all partner banks are FDIC-insured. The program itself is administered by R&T Deposit Solutions on behalf of 316 Financial, a division of Primis Bank member FDIC. Can I opt out? Yes. If you prefer not to participate, you can opt out here. Your funds will remain FDIC insured up to the standard $250,000 limit per insured bank. 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.

Mortgage | 316 Financial

Mortgage | 316 Financial 316 Financial is proud to partner with Primis Mortgage Company. Together, we’re helping families and individuals finance their homes with care and purpose. 316 Financial + Primis Bank Home Loans Built With Purpose Your home is one of the most meaningful investments you’ll ever make and at 316 Financial, we believe the process should reflect integrity, compassion, and confidence.That’s why 316 Financial is proud to partner with Primis Mortgage Company. Together, we’re helping families and individuals finance their homes with care and purpose. 316 Financial is not a mortgage lender. All mortgage loans are made by Primis Mortgage Company. Get A Quote Why Use Primis Mortgage Company for Your Mortgage?316 Financial is a division of Primis Bank and Primis Mortgage Company is a wholly owned subsidiary of Primis Bank. You get the same core values, common leadership, and integrity. Competitive Options Access mortgage solutions through Primis Mortgage. Financing on Your Schedule Apply, track progress, and connect with your loan officer anytime through a simple digital experience. Primis Privacy Policy Dedicated Mortgage Team From first quote to final signature, The Primis Mortgage team is here to guide you every step of the way. Mortgage Solutions for Every Stage First-Time Homebuyers: Start your homeownership journey with confidence.Refinancing: Explore opportunities to adjust your current mortgage.Purchasing Your Forever Home: Find a space that supports your family’s future. Get Started Today How It Works Prequalify Start with a simple prequalification to see your options. Get Approved Work with our team to select the loan that best fits your goals. Close Your Loan Complete the process with guidance and support every step of the way. Speak with a Mortgage Specialist First name Last name Email Phone Number What State Are You Looking to Buy In? What Mortgage Need Can We Help With? I'm a First Time Homebuyer reCAPTCHA FAQs What is the minimum down payment needed to buy a home? In general, down payment requirements may vary by program and state. Speak with a mortgage specialist for further guidance. Will applying for a mortgage affect my credit? Under certain circumstances, a mortgage specialist may be able to utilize a soft credit pull to preliminarily advise you as to what you may qualify for prior to a full underwriting review and hard inquiry. A soft inquiry may not affect your credit score, but a hard inquiry may affect your credit score How much do I qualify for? Applicants qualify for different amounts of financing depending on a variety of factors including personal credit score/history, debt-to-income ratios, etc. To determine what you may qualify for, please speak with a mortgage specialist. Who will be the lender on my mortgage? Primis Mortgage will be the lender on your loan. 316 Financial is a division of Primis Bank and Primis Mortgage Company is a subsidiary of Primis Bank. Info to Know All applicants are welcome. 316 Financial and Primis Mortgage Company do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or any other protected category.Primis Mortgage Company (“Primis Mortgage”) is a subsidiary of Primis Bank, a Member FDIC. Primis Mortgage NMLS #1894879 | AL #23183 | BK #1042893 | ML #1894879 | #41DBO-166162 Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act (www.nmlsconsumeraccess.org). For additional licensing and state license information click here. As always, all loans are subject to credit approval and product guidelines. Other terms and conditions may apply.Any mortgage information is from Primis Mortgage. Mortgage applications can only be submitted in those states that Primis Mortgage is approved to lend. 316 Financial is not a mortgage lender in any transaction and does not make mortgage loans, mortgage loan commitments or lock-rates related to mortgage loans. All credit decisions for mortgage loans are the responsibility of Primis Mortgage. Neither Primis Mortgage nor 316 Financial guarantee that Primis Mortgage will make you a conditional loan offer and nothing should be considered a commitment to lend. 316 Financial is a division of Primis Bank and Primis Mortgage Company is a subsidiary of Primis Bank. 316 Financial is FDIC insured but mortgage loans by Primis Mortgage are not insured by the FDIC.

Candace Cameron Bure

Candace Cameron Bure | 316 Financial We’re honored to partner with Candace Cameron Bure—an actress, author, and speaker known for her unwavering faith and commitment to family. Candace Cameron Bure + 316 Financial Thank You for Your Interest The CANDACE promotion has officially ended. If you opened a new savings account, remember you have to maintain a balance of $5,000 for 90 consecutive days to qualify for the bonus.We’re grateful for your interest and for banking with purpose. Every account helps us continue to tithe 10% of profits to ministries and missions, making a difference together. FAQs Do I have to donate the $250? Nope. The $250 is yours to keep. We’re the ones who tithe 10% of profits to ministries and missions. Is my money safe with 316 Financial? Yes. 316 is a division of Primis Bank, Member FDIC. When will I get my $250? You can open your Savings account anytime from January 20 – March 24, 2026, to qualify. Your bonus will be deposited within 30 days of maintaining a balance of $5,000 or more for 90 days, during the next statement cycle. Use code CANDACE when you open an account. Which account do I need to open? Open a new 316 savings account and maintain an average daily balance of $5000 or more for 90 days, and you’ll receive a $250 savings bonus. Use code CANDACE when you open an account. • Accounts opened between January 20, 2026, and March 24, 2026, qualify. • Bonus is paid after the 90-day balance requirement is met in the following statement cycle. Info to Know Candace Cameron Bure is a paid promotional ambassador for 316 Financial. Account must be new and opened with promo code CANDACE to qualify.Deposit accounts can be opened with as little as $1. Promotional credit may be reported as interest on a 1099-INT if over $10.*APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of February 1, 2026, and may change at any time. Fees, if applicable, may reduce earnings. Open a new 316 Savings account and maintain an average daily balance of $5000 or more for 90 consecutive days, and you’ll receive a $250 savings bonus.Accounts opened between January 20, 2026, and March 24, 2026, qualify.Bonus paid within 30 days after the 90-day balance requirement is met in the following statement cycle.The account must remain open and funded with at least $5,000 at the time of bonus payout, or the bonus will be forfeited.Important Notice Regarding Promotional Bonus EligibilityAt 316 Financial, we are committed to honoring all qualifying deposits as outlined in our promotional materials. If you believe you have met the requirements of this promotion but have not received your bonus by the designated date, please contact us at 833-316-3167 or email [email protected]. Be sure to include the details of your qualifying deposit so we can investigate your claim thoroughly.We will review your submission and, based on our findings, take the appropriate steps to ensure you receive any eligible rewards.We may modify or end this offer at any time, but if you opened your account while it was active, your bonus eligibility and terms will be honored. Promotional offer available to new customers only. Limit one promotional bonus per person and per account. Customers who have previously received a promotional bonus from 316 Financial are not eligible for this offer. Account must be opened using the promotional code at the time of application and remain open and in good standing to receive the bonus. If the account is closed, restricted, or otherwise not in good standing prior to the bonus being credited, the promotional bonus may be forfeited.316 Financial reserves the right to modify or terminate this promotion at any time and to withhold or revoke the bonus in cases of suspected abuse, fraud, or violation of promotion terms.

Consumer Privacy Notice

Consumer Privacy Notice | 316 Financial WHAT DOES PRIMIS DO WITH YOUR PERSONAL INFORMATION?Why?Financial 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.What?The 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 informationHow?All 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 youNo*We don't share*Primis only shares customer personal information with its strategic partner, Panacea Financial Holdings, Inc., in support of Panacea Financial, a division of Primis Bank.To 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.

Online and Mobile Banking Services Notice

Online and Mobile Banking Services Notice | 316 Financial ONLINE AND MOBILE BANKING SERVICES PRIVACY NOTICEPrimis Online and Mobile Banking Services (the “Services”) help you manage your money, view your transactions and accounts, and make it easy to manage your finances on the go. Our Services are offered on behalf of Primis Bank (“we,” “us,” or “our”). This Online and Mobile Services Privacy Notice (the “Privacy Notice”), together with any other privacy notice that we provide to you pursuant to applicable federal and state financial privacy laws, informs you of our practices regarding the collection, use, and disclosure of personal information. The specific capabilities of our Services available to you may vary.WHAT INFORMATION DOES PRIMIS COLLECT?When you visit us using our Services, we may collect the following information:Personal InformationOur Services may collect personal information from you when you open a new financial account or register for other financial services, such as:Your first and last nameAddressEmail addressUser IDsTelephone numberSocial Security numberIf you provide feedback or contact us via email, we will collect your name, email address, and any other content included in your message to respond to you.Our Services also collects other types of personal information that you voluntarily provide, including any information requested by us when you contact us via email for support related to our Services.Personal Information UsagePrimis may use information collected through Primis sites to do any of, but not limited to, the following:Responding directly to questions or inquiriesDelivering tailored advertising, communication, surveys or offers to youPersonalizing site interactions and experiencesAllowing access to planning tools and calculatorsDeveloping and improving products and servicesEnhancing sitesIdentifying trends and effectiveness of promotional campaignsDetecting fraud and security enhancementsUtilizing features within our site that require contact information or geo-locationPersonal Information SharingReference the Primis Consumer Privacy Notice for details on how personal information may be shared and how you may be able to limit certain types of information sharing.Other InformationDevice images or videos may be accessed when you deposit a check or use a QR code to make peer-to-peer payments using Zelle or other payment functionality. Device contacts may be accessed when you make peer-to-peer payments using payment functionality, such as Zelle or similar payment services. Device location information may be accessed to detect and prevent card transaction fraud and deposit fraud, as well as to provide branch and ATM locations.We may collect the financial and transaction information necessary to provide you with our Services, including account numbers, payment card expiration dates, payment card identification and verification numbers, and transaction and payment history.Personal Information Collected from Third PartiesWe may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, to provide some of our Services.Personal Information Collected Via TechnologyWe may, as well as our service providers, automatically log information about you, your computer or mobile device, and your interactions over time with our Services, our communications, and other online services, such as:Device data, such as your computer or mobile device operating system type and version, manufacturer and model, browser type, screen resolution, RAM and storage capacity, device type (e.g., phone or tablet), IP address, unique device identifiers, language settings, mobile carrier, and network information (e.g., Wi-Fi, 4G, LTE, 5G). We may also collect general location information, such as your city, state, or geographic region.Online activity data, such as the pages or screens you view, the time spent on each page or screen, navigation paths between pages or screens, information about your interactions with a page or screen, access times, and the duration of your sessions.Cookies, which are text files that websites store on your device to uniquely identify your browser or to store information or settings. Cookies help you navigate between pages efficiently, remember your preferences, enable certain functionality, and allow us to understand user activity and usage patterns.Location Information. An IP address is a unique number automatically assigned by your internet service provider to every computer and mobile device. If you have enabled location services on your device and consent to the collection of your location when prompted by our Services, we will collect your location information when you use our Services—for example, to support fraud-detection measures. If you prefer not to share this information, you may decline the request when prompted or adjust your device’s location-services settings.DISCLOSURE OF YOUR PERSONAL INFORMATIONOur Services may disclose your personal information as described below.Third-Party Service ProvidersBecause we are responsible for the Services you use, your personal information may be shared within the systems and partners that support those Services when necessary to operate them. Any sharing of your information occurs under our direction, and we remain responsible for how your information is used. Service providers that support our Services may use your information for the purposes described in this Privacy Notice, including:Providing you with our ServicesConducting quality assurance testingFacilitating the creation of accountsOptimizing the performance of our ServicesProviding technical supportCorporate RestructuringWe may share some or all of your personal information in connection with, or during the negotiation of, any merger, financing, acquisition, or dissolution transaction involving the sale, transfer, divestiture, or disclosure of all or a portion of our business or assets. In the event of insolvency, bankruptcy, or receivership, personal information may also be transferred as a business asset. If our company, business, or assets are acquired by another entity, that entity will possess the personal information collected by our Services and will assume the rights and obligations regarding your personal information as described in this Privacy Notice.Authorities and OthersRegardless of any choices you make regarding your personal information, our Services may disclose your personal information to law enforcement, government authorities, or private parties for the compliance and protection purposes described above.Additional Required DisclosuresPrimis Bank does not sell customer personal information and does not track users across apps or websites owned by other companies.SMS PROGRAM DISCLOSURESBy enrolling in SMS alerts, you agree to receive text messages related to your account activity, security notifications, and service updates. Primis Bank will not share your opt-in with other affiliates or non-affiliates. Unique services offered by Primis Bank or affiliates that offer the use of SMS require separate opt-inMessage FrequencyMessage frequency varies based on your account activity and alert settings.CostYour carrier message and data rates may apply.Opt-Out InstructionsYou may text STOP to discontinue SMS alerts at any time. You will receive a one-time SMS message confirming that you have been unsubscribed. No further SMS messages will be sent to your mobile number unless you re-enroll in SMS services. You may also disable SMS alerts by unlinking your mobile number in the Primis Mobile app or by contacting Primis Bank Customer Care. For assistance, text HELP or contact Customer Care.HELP InstructionsText HELP for assistance or contact Primis Bank Customer Care at 1-833-4PRIMIS or visit www.PrimisBank.com.Supported CarriersMajor U.S. carriers are supported, but delivery is not guaranteed and may be affected by carrier network conditions. Carriers are not liable for delayed or undelivered messages.Data Use for SMSYour phone number, device information, and carrier details are used solely to deliver SMS alerts and authenticate your device. No SMS-related personal data collected through the short code/SMS program will be shared, sold, or rented to affiliated or unaffiliated third parties for their own marketing purpose. ADVERTISINGInformation Primis collects, such as general preferences, user behavior and other user attributes, is used to create informed advertising and marketing strategies and determine its effectiveness. Advertising may include:Online Behavioral AdvertisingCertain information about your user behavior will help us determine advertisements that may be most interesting to you. This information may be used for online and offline advertising, such as direct mail, email, social media, display, and behavioral ads.If you prefer not to receive tailored online and offline content and advertising based on the behavioral information available, you may opt out of online behavioral advertising through your personal privacy settings. If you opt out, you may still receive untailored advertising from Primis.Advertising on Third-Party Sites and Mobile ApplicationsPrimis contracts with advertising companies to advertise our products and services on sites and mobile applications (apps) not associated with Primis.Primis may share some of the information you provide to us to these third-party sites so that they can tailor the ads served to you.Some of our online behavioral advertising may be served using data collected by third-party providers. Ads served on behalf of third-party providers will not contain unencrypted personal information and these companies are only given limited use of the information provided.Third-party sites and apps are not subject to this Privacy Notice and you should refer to their individual privacy policies and opt-out policies.Relationship-based AdvertisingGeneral information about your relationship with Primis may be used to determine the advertisements or offers we present to you.Email Direct MarketingGeneral information about your relationship with Primis and certain information about your user behavior will be used to determine marketing offers sent to you via email.If you prefer not to receive marketing offers via email, opt-out of these solicitations by clicking on the “opt out” button at the bottom of a Primis email.LINKS TO OTHER SITESOur Services may contain links to third-party websites. When you click on a link to any other website or location, you will leave our Services and be directed to another site, where a different entity may collect personal and/or anonymous information from you. Our provision of a link to any other website or location is for your convenience and does not constitute our endorsement of that website, its location, or its contents. Our Services have no control over, do not review, and are not responsible for these external websites or their content. Please be aware that the terms of this Privacy Notice do not apply to external websites. We encourage you to review the privacy notice of every website you visit.YOUR CHOICES REGARDING YOUR INFORMATIONYou have several choices regarding use of information on our Services.Access, Update, or Correct Your InformationYou can access, update, or correct your information by accessing your account. You can also contact Primis for any additional requests, as we are the entity providing our Services to you.Opting Out SMS CommunicationsIf you provide your phone number through our Services, we may send you SMS notifications, such as fraud alerts. You may opt out of SMS communications by unlinking your mobile phone number through our Services.Opting Out of Location TrackingIf you initially consented to the collection of geo-location information through our Services, you may stop the collection of this information at any time by adjusting the preferences on your mobile device. Please note that if you withdraw consent to the collection of location information, you may no longer be able to use certain features of our Services.How We Respond to Do Not Track SignalsSome web browsers transmit “Do Not Track” signals to the websites and online services with which they communicate. There is currently no standard that governs how websites should respond to these signals. We do not take action in response to Do Not Track signals. If and when a standard is established, we may make revisions regarding how we respond to such signals.You may opt-out of SMS communications using the instructions in the SMS Program Disclosures of this Privacy Notice.SAFEGUARDS AND RETENTIONWe implement reasonable administrative, technical, and physical measures to safeguard the information in our custody and control against theft, loss, and unauthorized access, use, modification, or disclosure. However, transmission over the internet is not completely secure, and we cannot guarantee the security of your information.All personal information is encrypted in transit and encrypted at rest.Federal laws and regulations require U.S. financial institutions to retain original, active, and historical records. Your personal and financial data will be retained for a period of five to ten years, depending on applicable laws, regulations, and legitimate business needs.ACCOUNT DELETIONYou may request account deletion by contacting us. Data required for regulatory compliance will be retained; all other data will be deleted or de-identified.SOCIAL MEDIA SITESPrimis operates various social media channels including, but not limited to, Facebook®, Twitter®, YouTube®, Instagram ®, LinkedIn® and TikTok®. Any content users post on an official Primis manage social page, such as pictures, information, opinions or personal information, is subject to the terms of use and privacy policies for the respective social platform. Understand your rights and obligations regarding this content by reviewing the social channel’s individual privacy policies, terms and conditions. When engaging with a Primis social channel, you are subject to this Privacy Notice and the Primis Social Media Community Disclosures located on PrimisBank.com.LINKING TO THIRD-PARTY SITESFrom time to time, we may provide you with links to third-party sites, which are not controlled by Primis. If you choose to visit these sites, review and understand the site’s individual privacy policies, terms and conditions. Primis does not guarantee or accept responsibility for the privacy and security of these third-party sites.A NOTE ABOUT CHILDRENOur Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has submitted personal information, we will attempt to delete the information as soon as possible.PRIVACY NOTICE UPDATESThis Privacy Notice, and any other privacy notice issued by us is subject to occasional revision. We may, in our sole discretion, notify you of any material changes to the collection, use, or disclosure of your personal information by posting a notice on our Services. Any material changes to this Privacy Notice will be effective thirty (30) calendar days after such notice is posted on our Services, or immediately if no notice is provided. These changes will take effect immediately for new users of our Services. If you object to any such changes, you must notify us before the effective date of the changes and request that your account be deactivated. Continued use of our Services following notice of any changes (or use of our Services after such changes take effect) will constitute your acknowledgment of those changes.CONTACT USIf you have any questions about this Privacy Notice or if you wish to report any security violations, please contact the Primis Bank Customer Care at 1-833-477-4647 or email [email protected].

Candace Cameron Bure

Candace Cameron Bure | 316 Financial We’re honored to partner with Candace Cameron Bure—an actress, author, and speaker known for her unwavering faith and commitment to family. Open A Savings Account. Join Candace Live. Meet Candace Cameron Bure Live — In the City of Your ChoiceOpen a new 316 Financial Savings Account and receive an exclusive VIP Experience package valued at over $700, including:✅ Two VIP Experience Tickets✅ Premium Seating✅ Exclusive Pre-Show Q&A✅ VIP After Party Access✅ Personal Photo with Candace✅ Signed Copy of Wild Hope✅ Commemorative VIP Lanyard✅ $200 Expedia Gift Card✅ Exclusive 316 Financial Swag Bag Claim Your VIP Experience How It Works 1. Open a new 316 Savings account Open your account by August 21, 2026, using promo code "VIP". Get Started 2. Deposit at least $5,000 within 10 days Fund your new savings account with $5,000 or more within 10 calendar days of account opening. The first 15 customers to complete these requirements will qualify for the promotion. 3. Receive your VIP Experience The first 15 people to complete these requirements will receive: VIP Experience Details An Evening With Candace Cameron Bure VIP Experience Once your qualifying deposit has been verified you’ll receive:VIP tickets for the tour city of your choice*$200 Expedia Gift CardExclusive 316 Financial Swag BagOur team will contact you with details regarding ticket selection and prize fulfillment. A Savings Account That Actually Earns 4.05% annual percentage yield (APY*) No minimum balance to earn interest No monthly account fees No overdraft fees FDIC insured Easy online access 24/7 care from real people Free credit monitoring tools Open My Account Now Faith, Family & Finances Candace's podcast encourages people to live intentionally and make decisions that reflect their values.At 316 Financial, we believe your banking should do the same.That's why we offer competitive savings rates while tithing 10% of our profits to faith-based ministries and nonprofit organizations making a meaningful impact around the world.When you bank with 316 Financial, your money can work harder for you—and help support organizations that are changing lives. Open My Account Now FAQs Which podcast event can I attend? Qualified winners may select from eligible Candace Cameron Bure Live Podcast events taking place in September, subject to availability. Is my money safe? Yes. Deposits are FDIC insured through Primis Bank, Member FDIC, up to applicable limits. When will I receive my tickets? After your qualifying deposit has been verified, a member of our team will contact you regarding event selection and fulfillment of your tickets, gift card, and swag bag. Who qualifies for this promotion? The promotion is available to the first 15 new customers who:Open a new 316 Savings account using promo code VIPFund the account with at least $5,000 within 10 days of account openingMeet all promotional eligibility requirements. Info to Know Candace Cameron Bure is a paid promotional ambassador for 316 Financial.Offer available only to new customers opening a new 316 Savings account with promotional code VIP between the promotion launch date of July 28, 2026, and August 21, 2026, while supplies last.Limited to the first 15 qualifying accounts that satisfy all promotional requirements.Customer must deposit at least $5,000 within 10 calendar days of account opening.The qualifying deposit must remain in the account until eligibility has been verified and prizes have been awarded.Meet Candace Cameron Bure Live — In the City of Your ChoiceOpen a new 316 Financial Savings Account and receive an exclusive VIP Experience package valued at over $700, including:Two VIP Experience TicketsPremium SeatingExclusive Pre-Show Q&AVIP After Party AccessPersonal Photo with CandaceSigned Copy of Wild HopeCommemorative VIP Lanyard$200 Expedia Gift CardExclusive 316 Financial Swag BagApproximate retail value exceeds $700.Prizes are non-transferable, not redeemable for cash, and substitutions may be made if necessary due to event availability or circumstances beyond 316 Financial's control.Customers are responsible for all travel arrangements and any expenses exceeding the value of the provided Expedia Gift Card.Promotional prizes may be reportable for tax purposes. Winners may receive applicable tax reporting forms, including Form 1099, if required by law. Please consult your tax advisor regarding your individual tax situation.APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of July 28, 2026, and are subject to change without notice. Fees, if applicable, may reduce earnings.Offer available to new customers only. Customer must not have an existing or prior account with Primis Bank or any of its divisions, including 316 Financial.Limit one promotional offer per customer.Account must remain open and in good standing to receive promotional prizes.316 Financial reserves the right to modify or terminate this promotion at any time, to verify eligibility, and to withhold or revoke promotional prizes in cases of fraud, abuse, or failure to satisfy the promotion requirements. Customers who qualified while the offer was active will remain eligible under the terms in effect at the time their account was opened.

Business Banking Update | 316 Financial

Business Banking Update | 316 Financial Your new Business Banking experience is here. A refreshed Business Banking experience with new capabilities and a modernized design. Visit this page for updates, FAQs, and resources. Getting Started 1. Sign In Sign In to Business Banking Some users may be asked to complete additional security steps during their first login. 2. Download the New Mobile App You will need to download the new Business Banking app through the Apple App Store or Google Play. 3. Start Banking Once you're logged in, you'll have access to your accounts and many of the features you use today. Frequently Asked Questions Will my username change? No. You'll continue using your current username. I have both a business account and a personal account with 316 Financial. Are both accounts changing? No. At this time, only eligible business accounts are moving to the new digital banking platform. Personal accounts will remain on the current platform. Customers who have both business and personal accounts will continue to access each through its respective digital banking platform until future enhancements are introduced. Will I have access to ACH and wires from day one? If you currently have ACH and wire capabilities, these will be available when the new Business Banking experience launches. Will my password stay the same? You'll sign in using your existing username and password. Some users may be prompted to complete additional security steps for their password during the first login experience. Will I need to reconnect my 316 Financial account to financial apps or services I use? Yes. If you use third-party apps or services that connect to your 316 Financial account, such as budgeting tools, you may need to reconnect your account after the transition. We will support connectivity through Plaid but if you experience any issues, please contact us for assistance. Will my device and browser work with the new Business Banking experience? The new Business Banking experience supports current versions of major web browsers, including Google Chrome, Microsoft Edge, Mozilla Firefox, and Apple Safari.For the best experience, we recommend keeping your browser, mobile device, and operating system up to date. Will Zelle be available? Zelle is expected to be available in the new platform starting late-January 2027. Will Bill Pay be available? Yes. Bill Pay will be available in the new platform.If your business currently uses Bill Pay, you'll need to re-establish your Bill Pay users in the new environment. Will I need to download a new mobile app? Yes, you will need to download your Business Banking mobile app through the Apple App Store or Google Play.If you experience issues accessing the platform after launch, our Care Team is available 24/7 to help. What additional features are coming? This launch is the first step in a broader enhancement of the Business Banking experience.Additional treasury management tools and business banking capabilities are planned for future releases. We'll share more information as those features become available. Will additional users on my account transfer automatically? No. Additional users and permissions currently established on your account will need to be set up again after the transition. Will my scheduled transfers carry over? No. Any scheduled transfers you've established today will need to be set up again after the transition.

Ministry Checking

Ministry Checking Account - 316 Financial Earn 2.50% APY with checking created for eligible ministries and nonprofits. Open with $1 and waive the $5 monthly fee with a $500 daily balance. Ministry Checking Account Where Stewardship Meets Strength Earn 2.50% annual percentage yield (APY*) while keeping more of your ministry’s money focused on the work that matters. Get Started Banking Built for Your Mission Earn 2.50% APY on your entire balance No transaction limits $5 monthly maintenance fee, waived with $500 minimum daily balance $1 minimum opening deposit Free electronic statements Secure online and mobile banking 24/7 care from real people Keep More Focused on Your Goals Built for verified 501(c)(3) organizations, this account helps your ministry earn interest while keeping funds ready for everyday needs. ATM Access When You Need It Beginning November 4, 2026 get fee-free access to MoneyPass® ATMs. Over 40,000 locations nationwide. The 316 Purpose Partner Program What if everyday banking could help further your mission?Through the 316 Purpose Partner Program, churches and nonprofit organizations have an opportunity to receive additional support simply through the banking relationships of the people who believe in their mission. When members and supporters open eligible accounts with 316 Financial, your organization could receive a quarterly donation based on the total balances held.It’s one more way everyday financial choices can help create lasting Kingdom and community impact. Learn More Info to Know 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.Eligibility316 Ministry Checking is available to verified 501(c)(3) organizations. Your organization’s status and required documentation will be reviewed during account opening.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.Interest and Rates*APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of September 3, 2026, and may change at any time. Fees, if applicable, may reduce earnings. StatementsE-statements are available at no charge. Paper statements are $3 per statement period.FeesA $5 monthly maintenance fee applies unless you maintain a minimum daily balance of $500 each day of the statement cycle. Other fees may apply. See our Pricing Guide for more information.