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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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Small Business Checking

Small Business Checking - 316 Financial Simple business checking with no monthly fee, no minimum balance requirement and 150 included monthly items. Open an account with just $1. SMALL BUSINESS CHECKING Simple Banking. More Room to Do Good. Keep more of your money focused on your business with no monthly maintenance fee and 150 included items each month. Get Started Business Checking, Simplified. No monthly maintenance fee No minimum balance requirement 150 included items each month $1 minimum opening deposit Free e-statements Secure online and mobile banking 24/7 care from real people More Business. Fewer Banking Costs. Your first 150 items each month are included. After that, additional items are $0.35 each. ATM Access When You Need It Beginning November 4, 2026 get fee-free access to MoneyPass® ATMs. Over 40,000 locations nationwide. 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 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.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.Monthly ItemsThe account includes 150 items each month. Additional items are $0.35 each.Items include debits, credits and deposited items, except incoming and outgoing Zelle® transfers, account service charges and maintenance fees. A separate per-item fee may apply to Zelle® transfers.ATM AccessWithdrawals at Primis Bank and MoneyPass® ATMs are free. Fee-free MoneyPass® ATM access begins November 4, 2026. Standard ATM fees and terms apply before that date.Withdrawals or transfers at ATMs outside the Primis Bank and MoneyPass® networks are $2 per transaction. The ATM owner or operator may charge an additional fee.FeesOther account and service fees may apply. See our Pricing Guide for more information.

Business Interest Checking

Business Interest Checking - 316 Financial Earn 1.75% APY with 300 included monthly items. Waive the $20 monthly fee by maintaining a $2,500 minimum daily balance. Business Interest Checking Grow Your Balance. Grow Your Impact. Earn 1.75% annual percentage yield (APY*) while keeping your money ready for business. Get Started Business Checking That Works Harder Earn 1.75% APY 300 included items each month $20 monthly maintenance fee, waived with $2,500 minimum daily balance $1 minimum opening deposit Free e-statements Secure online and mobile banking 24/7 care from real people More Room to Keep Business Moving Your first 300 items each month are included. After that, additional items are $0.35 each. ATM Access When You Need It Beginning November 4, 2026 get fee-free access to MoneyPass® ATMs. Over 40,000 locations nationwide. 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 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.Deposit AccountsOpen your account with as little as $1. A $20 monthly maintenance fee applies unless you maintain a minimum daily balance of $2,500 each day of the statement cycle.Interest and Rates*APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of October 5, 2026, and may change at any time. Fees, if applicable, may reduce earnings. Monthly ItemsThe account includes 300 items each month. Additional items are $0.35 each.Items include debits, credits and deposited items, except incoming and outgoing Zelle® transfers, account service charges and maintenance fees. A separate per-item fee may apply to Zelle® transfers.StatementsE-statements are available at no charge. Paper statements are $3 per statement period.FeesOther account and service fees may apply. See our Pricing Guide for more information.

Protect What You’ve Been Entrusted With: How to Spot Financial Scams

How to Spot Financial Scams - 316 Financial Learn how to recognize financial scams, verify suspicious messages and payment requests, and protect your personal information and finances. Protect What You’ve Been Entrusted With: How to Spot Financial Scams Author: 316 Financial | Published: Monday, October 19, 2026 We work hard for what we have. We save, plan, give, and make thoughtful decisions about our finances. Part of good stewardship is knowing how to protect those finances, too.Scammers are always looking for new ways to get your attention, often by creating urgency or making a message look like it came from a company or financial institution you trust.The good news? A few simple habits can help you slow down, recognize the warning signs, and protect yourself.1. Be cautious when a message creates urgency“Your account has been locked.”“Suspicious activity detected.”“Verify your information immediately.”Messages like these are designed to make you act before you have time to think.If something feels urgent or unusual, pause before responding or clicking a link. Instead, independently contact the company or financial institution through a trusted channel.2. Think before you clickUnexpected links in texts and emails can lead to fraudulent websites designed to look legitimate.Before clicking, ask yourself:Was I expecting this message?Do I recognize the sender?Is the message pressuring me to act quickly?Does anything about it seem unusual?When in doubt, don't use the link in the message. Go directly to the company's official website or contact them another way.3. Protect your passwords and personal informationBe cautious anytime someone unexpectedly asks for sensitive information.Use strong, unique passwords for important accounts and avoid reusing the same password across multiple services.And remember: just because someone claims to represent a trusted organization doesn't mean they do.4. Verify unexpected payment requestsIf you receive an unexpected request to send money, especially one involving a change in payment instructions, take an extra step before acting.Contact the person or organization using contact information you already know and trust to verify the request.A few extra minutes could make a big difference.5. Trust your instinctsIf something doesn't feel right, slow down.Scams often rely on urgency, fear, excitement, or distraction. Giving yourself a moment to think can be one of your best defenses.Pause. Verify. Then act.Protecting your finances isn't only about how you save, spend, and give. It's also about protecting what you've been entrusted with.At 316 Financial, we believe good stewardship touches every part of our financial lives. Staying alert, asking questions, and taking a moment to verify something suspicious are simple ways to help protect what you've worked hard to build.Think a message claiming to be from 316 Financial may be suspicious?Don't click links or respond using the information provided in the message. Contact 316 Financial through a trusted channel instead. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Share on Related Articles When “Fraud Prevention” Calls You… It Might Be A Scam Scammers are getting more convincing. And lately, they’re not just pretending to be your financial institution — they’re pretending to be the fraud department.Here’s how it usually happens:You get a call saying there’s suspicious activity on your account. The caller sounds professional, urgent, and helpful. Then they ask you to log into your account, move your money, or follow steps while they “assist” you.Sometimes they’ll even ask you to share your screen or download an app so they can “help secure your account.”That’s when the scam begins.Let’s Be Clear: 316 Financial Will Never Ask You To:Move your money to another account for “protection”Share your online banking username or passwordAccept a screen-sharing requestDownload remote access software like AnyDesk or TeamViewerIf someone is asking you to do any of those things, it is not 316 Financial.Why These Scams WorkThese scams are designed to create panic and urgency.Scammers want you to act quickly before you have time to stop and think. By pretending to represent a trusted financial institution or fraud department, they try to gain your confidence fast.Once they gain access to your device or online banking information, they can move quickly to steal funds or personal information.What To Do If You Receive One of These CallsIf something feels off, trust your instincts and take these steps:Hang up immediatelyDo not click links or share your screenDo not provide login credentials or verification codesContact 316 Financial directly using a phone number you know and trustThat one step can stop the scam in its tracks.How We’re Working To Protect YouAt 316 Financial, protecting our customers is a top priority. We continue to strengthen fraud prevention efforts by:Monitoring for suspicious account activityEnhancing fraud detection and security toolsEducating customers about emerging scams and threatsProviding support when something doesn’t seem rightBottom LineIf someone contacts you and pressures you to act quickly regarding your money or account, pause before responding.The safest thing you can do is simple:Hang up and contact 316 Financial directly at 833-316-3167. Read Article 3 Easy Ways to Track Your Spending in 2026 A new year is a natural time to reset your financial habits. Tracking your spending doesn’t have to be complicated—or time-consuming. With the right tools and a little intention, you can gain clarity, reduce stress, and steward your money with confidence in 2026.Here are three simple ways to get started.1. Use Your Banking App to Categorize PurchasesYour banking app is one of the most powerful budgeting tools you already have. By reviewing categorized transactions—like groceries, dining, or subscriptions—you can quickly see where your money is going each month.This visibility helps you identify patterns, spot unnecessary spending, and make adjustments that align with your goals and values. A few minutes of review each week can make a big difference over time.2. Set Weekly Spending Limits and AlertsInstead of tracking every dollar, try setting weekly spending limits for key categories. Many banking apps allow you to create alerts when you’re approaching a limit, helping you stay on track without feeling restricted.Weekly check-ins keep your finances manageable and prevent small overspending from turning into bigger issues—giving you peace of mind and greater control.3. Automate Your Savings for Small, Consistent GrowthOne of the easiest ways to build healthy financial habits is to automate them. Setting up automatic transfers—even small amounts—helps you save consistently without having to think about it.At 316 Financial, we believe managing money is about stewardship and generosity. Just as we commit to tithing 10% of our profits, automating your savings can help you intentionally set aside resources for future needs, giving opportunities, and long-term goals—faithfully and consistently.Ready to start saving with purpose?Open a 316 Financial Savings Account today and take the first step toward smarter spending and intentional stewardship in 2026. Read Article Safe Giving in a Digital World: Cybersecurity Tips for Donors October is Cybersecurity Awareness Month, a reminder that protecting your finances goes beyond your bank account—it also includes how and where you give. At 316 Financial, we believe generosity should always be a blessing, not an opportunity for scammers to take advantage of your good heart. Sadly, charitable giving scams are on the rise, especially online. Here’s how to keep your giving safe and impactful.1. Understand How Scammers OperateFraudsters often pose as legitimate charities, using emotional stories, fake websites, or even text messages to trick people into giving. They know that generous givers act quickly and trust deeply.Red flags to watch for:Urgent pressure to give right nowRequests for donations via gift cards, wire transfers, or cryptocurrencyMisspelled websites or unusual email addressesNo clear information about how donations will be used2. Verify Before You GiveTake a few extra minutes to confirm that an organization is legitimate. Trusted tools like Charity Navigator, the Better Business Bureau’s Wise Giving Alliance, or GuideStar can help. If you’re unsure, contact the organization directly using a verified phone number or website.3. Give Through Secure ChannelsAlways donate through a secure website (look for “https://” and the padlock symbol). Avoid clicking on links from unsolicited emails or social media messages, no matter how convincing they look.4. Keep Records of Your GivingDocument your donations and keep receipts. Not only does this help with tax reporting, but it also ensures you can quickly identify if something doesn’t look right.5. Trust, but Be WiseAs believers, we’re called to give cheerfully (2 Corinthians 9:7), but we’re also called to be wise stewards. Protecting your resources allows you to bless real ministries and causes that are truly making a difference.Generosity is powerful when it reaches the right hands. This Cybersecurity Awareness Month, let’s commit to giving with both open hearts and wise minds. At 316 Financial, we’re here to help you steward your finances—and your giving—with confidence. Read Article News & Press 316 Financial to Sponsor and Attend U.S. Christian Chamber of Commerce SWC 2026 in Orlando Orlando, FL — April 22–24, 2026 — 316 Financial is proud to announce its participation as a sponsor of the upcoming U.S. Christian Chamber of Commerce Spring Workshop and Conference 2026 in Orlando, Florida. As the official lunch sponsor, 316 Financial is honored to support this gathering of more than 750 faith-driven leaders, organizations, and entrepreneurs from across the country.The annual conference, hosted by the U.S. Christian Chamber of Commerce, brings together a vibrant community focused on integrating faith and business, fostering meaningful connections, and advancing Kingdom-minded impact through commerce.“Events like this are a powerful reminder that business can be a force for good,” said Paige Whitaker, Brand Growth & Partnerships Manager at 316 Financial. “We’re passionate about helping our customers steward their finances with purpose—and as a company, we live that out by tithing 10% of our profits to support Gospel-centered work.”316 Financial provides digital banking solutions designed to align faith and finances—empowering individuals, businesses, and ministries to manage their money with intention while supporting initiatives that spread the Gospel.Representing 316 Financial at the conference will be:Paige Whitaker, Brand Growth and Partnerships ManagerRey Feliciano, Commercial Loan OfficerMegan Boykin, Senior Business AnalystDawn Taylor, Lead Digital BankerThe team looks forward to connecting with fellow attendees, building new relationships, and exploring opportunities to serve faith-based businesses and ministries through purpose-driven financial solutions. For more information about the event, visit: https://uschristianchamber.com/swc-2026/ Read Article

Financial Anxiety Doesn’t Care How Much You Make

Financial Anxiety at Every Income - 316 Financial Learn why financial anxiety can affect people at every income level and how faith, planning and wise stewardship can help replace fear with peace. Financial Anxiety Doesn’t Care How Much You Make Author: 316 Financial | Published: Monday, October 19, 2026 Financial anxiety is not always tied to the number in your bank account. It can affect people at every income level, shaping their relationships, decisions, health and sense of peace.In a recent article from RELEVANT, the 316 team discusses why earning more does not necessarily eliminate financial stress. They also share how practical stewardship, thoughtful planning and faith can help us make financial decisions from a place of wisdom rather than fear.Money may be part of the concern, but it does not have to become the source of our security.Read the full article from RELEVANT Share on Related Articles Protect What You’ve Been Entrusted With: How to Spot Financial Scams We work hard for what we have. We save, plan, give, and make thoughtful decisions about our finances. Part of good stewardship is knowing how to protect those finances, too.Scammers are always looking for new ways to get your attention, often by creating urgency or making a message look like it came from a company or financial institution you trust.The good news? A few simple habits can help you slow down, recognize the warning signs, and protect yourself.1. Be cautious when a message creates urgency“Your account has been locked.”“Suspicious activity detected.”“Verify your information immediately.”Messages like these are designed to make you act before you have time to think.If something feels urgent or unusual, pause before responding or clicking a link. Instead, independently contact the company or financial institution through a trusted channel.2. Think before you clickUnexpected links in texts and emails can lead to fraudulent websites designed to look legitimate.Before clicking, ask yourself:Was I expecting this message?Do I recognize the sender?Is the message pressuring me to act quickly?Does anything about it seem unusual?When in doubt, don't use the link in the message. Go directly to the company's official website or contact them another way.3. Protect your passwords and personal informationBe cautious anytime someone unexpectedly asks for sensitive information.Use strong, unique passwords for important accounts and avoid reusing the same password across multiple services.And remember: just because someone claims to represent a trusted organization doesn't mean they do.4. Verify unexpected payment requestsIf you receive an unexpected request to send money, especially one involving a change in payment instructions, take an extra step before acting.Contact the person or organization using contact information you already know and trust to verify the request.A few extra minutes could make a big difference.5. Trust your instinctsIf something doesn't feel right, slow down.Scams often rely on urgency, fear, excitement, or distraction. Giving yourself a moment to think can be one of your best defenses.Pause. Verify. Then act.Protecting your finances isn't only about how you save, spend, and give. It's also about protecting what you've been entrusted with.At 316 Financial, we believe good stewardship touches every part of our financial lives. Staying alert, asking questions, and taking a moment to verify something suspicious are simple ways to help protect what you've worked hard to build.Think a message claiming to be from 316 Financial may be suspicious?Don't click links or respond using the information provided in the message. Contact 316 Financial through a trusted channel instead. Read Article When “Fraud Prevention” Calls You… It Might Be A Scam Scammers are getting more convincing. And lately, they’re not just pretending to be your financial institution — they’re pretending to be the fraud department.Here’s how it usually happens:You get a call saying there’s suspicious activity on your account. The caller sounds professional, urgent, and helpful. Then they ask you to log into your account, move your money, or follow steps while they “assist” you.Sometimes they’ll even ask you to share your screen or download an app so they can “help secure your account.”That’s when the scam begins.Let’s Be Clear: 316 Financial Will Never Ask You To:Move your money to another account for “protection”Share your online banking username or passwordAccept a screen-sharing requestDownload remote access software like AnyDesk or TeamViewerIf someone is asking you to do any of those things, it is not 316 Financial.Why These Scams WorkThese scams are designed to create panic and urgency.Scammers want you to act quickly before you have time to stop and think. By pretending to represent a trusted financial institution or fraud department, they try to gain your confidence fast.Once they gain access to your device or online banking information, they can move quickly to steal funds or personal information.What To Do If You Receive One of These CallsIf something feels off, trust your instincts and take these steps:Hang up immediatelyDo not click links or share your screenDo not provide login credentials or verification codesContact 316 Financial directly using a phone number you know and trustThat one step can stop the scam in its tracks.How We’re Working To Protect YouAt 316 Financial, protecting our customers is a top priority. We continue to strengthen fraud prevention efforts by:Monitoring for suspicious account activityEnhancing fraud detection and security toolsEducating customers about emerging scams and threatsProviding support when something doesn’t seem rightBottom LineIf someone contacts you and pressures you to act quickly regarding your money or account, pause before responding.The safest thing you can do is simple:Hang up and contact 316 Financial directly at 833-316-3167. Read Article 3 Easy Ways to Track Your Spending in 2026 A new year is a natural time to reset your financial habits. Tracking your spending doesn’t have to be complicated—or time-consuming. With the right tools and a little intention, you can gain clarity, reduce stress, and steward your money with confidence in 2026.Here are three simple ways to get started.1. Use Your Banking App to Categorize PurchasesYour banking app is one of the most powerful budgeting tools you already have. By reviewing categorized transactions—like groceries, dining, or subscriptions—you can quickly see where your money is going each month.This visibility helps you identify patterns, spot unnecessary spending, and make adjustments that align with your goals and values. A few minutes of review each week can make a big difference over time.2. Set Weekly Spending Limits and AlertsInstead of tracking every dollar, try setting weekly spending limits for key categories. Many banking apps allow you to create alerts when you’re approaching a limit, helping you stay on track without feeling restricted.Weekly check-ins keep your finances manageable and prevent small overspending from turning into bigger issues—giving you peace of mind and greater control.3. Automate Your Savings for Small, Consistent GrowthOne of the easiest ways to build healthy financial habits is to automate them. Setting up automatic transfers—even small amounts—helps you save consistently without having to think about it.At 316 Financial, we believe managing money is about stewardship and generosity. Just as we commit to tithing 10% of our profits, automating your savings can help you intentionally set aside resources for future needs, giving opportunities, and long-term goals—faithfully and consistently.Ready to start saving with purpose?Open a 316 Financial Savings Account today and take the first step toward smarter spending and intentional stewardship in 2026. Read Article News & Press 316 Financial to Sponsor and Attend U.S. Christian Chamber of Commerce SWC 2026 in Orlando Orlando, FL — April 22–24, 2026 — 316 Financial is proud to announce its participation as a sponsor of the upcoming U.S. Christian Chamber of Commerce Spring Workshop and Conference 2026 in Orlando, Florida. As the official lunch sponsor, 316 Financial is honored to support this gathering of more than 750 faith-driven leaders, organizations, and entrepreneurs from across the country.The annual conference, hosted by the U.S. Christian Chamber of Commerce, brings together a vibrant community focused on integrating faith and business, fostering meaningful connections, and advancing Kingdom-minded impact through commerce.“Events like this are a powerful reminder that business can be a force for good,” said Paige Whitaker, Brand Growth & Partnerships Manager at 316 Financial. “We’re passionate about helping our customers steward their finances with purpose—and as a company, we live that out by tithing 10% of our profits to support Gospel-centered work.”316 Financial provides digital banking solutions designed to align faith and finances—empowering individuals, businesses, and ministries to manage their money with intention while supporting initiatives that spread the Gospel.Representing 316 Financial at the conference will be:Paige Whitaker, Brand Growth and Partnerships ManagerRey Feliciano, Commercial Loan OfficerMegan Boykin, Senior Business AnalystDawn Taylor, Lead Digital BankerThe team looks forward to connecting with fellow attendees, building new relationships, and exploring opportunities to serve faith-based businesses and ministries through purpose-driven financial solutions. For more information about the event, visit: https://uschristianchamber.com/swc-2026/ Read Article

Limits

Limits | 316 Financial Your 316 Accounts Move Money Your Way Seamless transfers, transparent limits. We make moving money simple and seamless. Whether you're sending payments, withdrawing cash, or funding your account, we've got you covered with transparent limits and no hidden fees. P2P & Bill Pay With our digital banking tools, you can send money through Bill Pay and Peer-to-Peer (P2P) services, while also receiving funds through direct deposits and other P2P platforms. Consumer Per Transaction Limit Daily Limit Weekly Limit Monthly Limit P2P New $50 $50 $100 $250 P2P Tenured $500 $500 $3,500 $10,000 Bill Pay New $3,500 $5,000 $15,000 $25,000 Bill Pay Tenured $10,000 $25,000 $50,000 $100,000 Business Per Transaction Limit Daily Limit Weekly Limit Monthly Limit Bill Pay$99,999NoneNoneNoneATM 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 transfersInitial Funding Limits Get started with your new account easily. Here’s what you need to know about initial deposits: Personal Accounts Business Accounts 316 Rewards Checking: $6,000 316 Business Rewards Checking: $25,000 316 Interest Checking: $30,000316 Business Interest Checking: $250,000316 Savings: $100,000316 Ministry Checking: $250,000 316 Business Savings: $250,000Need more details?Our U.S.-based customer care team is available 24/7 to assist with any questions. Click here to contact us. Info To Know For the purposes of P2P and Bill Pay, a customer is considered “New” within the first 90 days of using the BillPay or P2P service. Transaction limits may change at any time without advance notice. Please refer to your account disclosures for more information.

Business Savings - 316 Financial

Business Savings Account - 316 Financial Earn 4.00% APY with 316 Business Savings. Open with $1 and waive the $3 monthly fee with a $300 minimum daily balance. Business Savings Account Save Today. Build Towards What's Next. Earn 4.00% annual percentage yield (APY*) on the money your business sets aside. Get Started Savings That Works for Your Business Earn 4.00% APY $3 monthly maintenance fee, waived with $300 minimum daily balance $1 minimum opening deposit No transaction limits Free e-statements Secure online and mobile banking 24/7 care from real people 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 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.Deposit AccountsOpen your account 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 October 5, 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 $3 monthly maintenance fee applies unless you maintain a minimum daily balance of $300 each day of the statement cycle. Other account and service fees may apply. See our Pricing Guide for more information.

Home

316 Financial: Banking Uplifted Discover a better way to bank. 316 Financial delivers tech-forward technology paired with faith-based values. 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. Watch Our Video Now Available 316 Business Banking Is Here 316 Small Business Checking Keep more of your money focused on your business with no monthly maintenance fee and 150 included items each month. 316 Business Savings Save with purpose—earn interest, enjoy no fees, and access smart financial tools. 316 Business Interest Checking Designed for higher balances—earn more interest without added fees. 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 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. 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. Hope In Every Page Spreading hope, one book at a time! Our volunteers donated books to Children's Hospital of Richmond at VCU. 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 RatesAPY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of December 1, 2025, and may change at any time. Fees, if applicable, may reduce earnings.

316 Interest-Earning Checking Account

Interest-Earning Checking Account | 316 Financial Open a 316 Interest Checking account to earn a high APY with no monthly fees, no minimum balance, and free nationwide ATM access. 316 Interest-Earning Checking Account Big APY. Bigger Impact. With 3.80% annual percentage yield (APY*) and no monthly fees, it’s a better way to bank. Open an Account Earn 3.80% APY No account fees No minimum balance Early direct deposit Free ATM access, nationwide. We refund fees at the end of each statement cycle No overdraft fees FDIC-insured 24/7 care from real people Free credit monitoring tools Free starter pack of 316 checks Free cashier’s checks Open Account WHY WE GIVE Every Dollar Makes a Difference Giving isn’t always easy, but at 316 Financial, it’s automatic. We donate 10% of our profits to organizations that uplift communities and spread hope and love. This belief is what inspired us to start—and even shaped our name. Learn more about our story and how your banking can make a lasting impact. Our Stories FAQ PEACE OF MIND FDIC Protection. Advanced Security. You can bank uplifted—without compromising on security. With full FDIC coverage and advanced fraud protection, your money and personal information are always safe, giving you the confidence to bank with purpose. A PERFECT PAIR Maximize your earnings with 316 Savings. Pair your 316 Interest Checking with a high-yield savings account that earns an impressive 4.05% annual percentage yield* (APY)—helping you grow your money while keeping everything connected in one easy place. Learn More Info to Know Deposit AccountsDeposit accounts can be opened with as little as $1. These accounts are available online only and are not offered in Puerto Rico or other U.S. territories. Fees for ATM transactions will be refunded to your account the business day your statement cycle ends.FeesWe don’t charge fees for account maintenance, overdrafts, or stop payments—no surprises, just honest banking. While we aim to be fee-free, some services, like remote online notary, may have a cost. See our Fee Guide for more information.Interest and Rates*APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of October 5, 2026, and may change at any time. Fees, if applicable, may reduce earnings.

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 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.

316 Interest-Earning Savings Account

Interest-Earning Savings Account | 316 Financial Earn a high APY with a 316 Savings account—no monthly fees, no minimum balance, and 24/7 support. Grow your money while supporting meaningful causes. 316 Interest-Earning Savings Account Earn 4.05% APY While You Give Earn 4.05% annual percentage yield (APY*) while your account helps support causes that uplift. No monthly fees. 24/7 support. Open an Account Earn 4.05% APY No account fees No minimum balance No overdraft fees FDIC-insured 24/7 care from real people Free credit monitoring tools Open Account WHY 316 FINANCIAL? We’re a bank with a greater purpose. You choose your church, your charities, your friends—even your radio station—based on your beliefs and values. Why should your bank be any different? At 316 Financial, we tithe 10% of our profits to causes that uplift communities and create lasting impact, all while delivering the rewards and service you deserve. We’re not like other banks—and that’s on purpose. Our Purpose FAQs THE PERFECT MATCH Interest Checking + Savings Pair your 316 Savings with 316 Interest Checking for a complete banking experience that grows your money and keeps it simple—no fees, no hassle, just seamless banking with purpose. Learn More Info to Know Deposit AccountsDeposit accounts can be opened with as little as $1. These accounts are available online only and are not offered in Puerto Rico or other U.S. territories.FeesWe don’t charge fees for account maintenance, overdrafts, or stop payments—no surprises, just honest banking. While we aim to be fee-free, some services, like remote online notary, may have a cost. See our Fee Guide for more information.Interest and Rates*APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of October 5, 2026, and may change at any time. Fees, if applicable, may reduce earnings.