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316 Rewards Checking Account
Rewards Checking Account: Earn 1.00% Cash Back on Purchases Open a 316 Rewards Checking account to enjoy no monthly fees, 1.00% cash back on 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 debit purchases Early direct deposit Free ATM access, nationwide. We refund fees at the end of each statement cycle. No overdraft fees FDIC-insured 24/7 care from real people Free credit monitoring tools Free starter pack of 316 checks Free cashier’s checks Free & Refunded Wires Advanced Fraud Protection Open Account WHY 316 FINANCIAL? We’re a bank with a greater purpose. You choose your church, your charities, your friends—even your radio station—based on your beliefs and values. Why should your bank be any different? At 316 Financial, we tithe 10% of our profits to causes that uplift communities and create lasting impact, all while delivering the rewards and service you deserve. We’re not like other banks—and that’s on purpose. Our Purpose FAQs BUILT FOR YOUR PROTECTION Security & Peace of Mind With advanced fraud prevention and free credit monitoring tools, you’re protected by cutting-edge systems that keep your money and personal information safe—so you can bank with confidence. A Perfect Pair Grow More with Savings Pair your 316 Rewards Checking with a high-yield savings account that earns an impressive 4.05% annual percentage yield* (APY)—helping you grow your money while keeping everything connected in one easy place. Learn More Info to Know Deposit AccountsDeposit accounts can be opened with as little as $1. These accounts are available online only and are not offered in Puerto Rico or other U.S. territories. Fees for ATM transactions will be refunded to your account the business day your statement cycle ends.RewardsRewards apply to all debit card purchases, but do not include ATM transactions. FeesWe don’t charge fees for account maintenance, overdrafts, or stop payments—no surprises, just honest banking. While we aim to be fee-free, some services, like remote online notary, may have a cost. See our Fee Guide for more information.
Disclosures
Disclosures | 316 Financial Things You Should Know Disclosures At 316 Financial, we’re all about transparency and we want you to have easy access to our policies and guidelines that impact your finances. We’re sharing information here, but also remember to check within your online banking and mobile app for the most up-to-date information specific to your accounts. Personal Disclosures 316 Interest Checking Download PDF 316 Rewards Checking Download PDF 316 Savings Download PDF E-sign Disclosure Download PDF Business Disclosures 316 Business Interest Checking Download PDF 316 Business Rewards Checking Download PDF 316 Business Savings Download PDF 316 Ministry Checking Download PDF Account Terms Check out the truth in savings specific to each product posted to our website.316 Truth in Savings Disclosures316 Interest Checking316 Rewards Checking316 Savings316 Business Interest Checking316 Business Rewards Checking316 Business Savings316 Ministry Checking
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 FREE WIRE REFUNDS We cover the cost—and then some. We don’t charge you for incoming wires, and we’ll even refund fees your originating bank might charge. Plus, we’ll add an extra $10 for your effort. Simply submit a request with documentation to our team, and we’ll take care of the rest—because banking should be hassle-free. THE PERFECT MATCH Interest Checking + Savings Pair your 316 Savings with 316 Interest Checking for a complete banking experience that grows your money and keeps it simple—no fees, no hassle, just seamless banking with purpose. Learn More Info to Know Deposit AccountsDeposit accounts can be opened with as little as $1. These accounts are available online only and are not offered in Puerto Rico or other U.S. territories.FeesWe don’t charge fees for account maintenance, overdrafts, or stop payments—no surprises, just honest banking. While we aim to be fee-free, some services, like remote online notary, may have a cost. See our Fee Guide for more information.Interest and Rates*APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of December 1, 2025, and may change at any time. Fees, if applicable, may reduce earnings.
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 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. 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. 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. Is my money safe with 316 Financial? Yes. 316 is a division of Primis Bank, Member FDIC. 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.