Business Banking
For Values-Driven Organizations Like Yours
You work hard to support your congregation, ministry, or community organization. We’re building modern banking tools designed to support your mission and help you manage your operations more easily.
Built for ministries, nonprofits, and small businesses
Our tools are being developed to help simplify daily tasks and support your long‑term goals—no matter the size of your organization.
Backed by purpose
We tithe 10% of profits to causes that uplift communities and reflect His teachings.
No monthly fees. No hoops.
We’re committing to banking that works for you—not the other way around.
Digital-first, always accessible
Manage everything securely, from anywhere, with ease.
Always here for you
Our care team is available 24/7—because we’re serious about showing up.
Choose The Right Account for Your Organization
Each account includes:
No item or transaction fees—unlimited transactions
Refund of all originating wire fees
No monthly account or maintenance fees
Free ATM use nationwide
No overdraft fees
Free incoming wires and cashier’s checks
Real People. Real Help.
We don't believe in sending you in circles.
When you open an account with 316—whether for a ministry, church, nonprofit, or small business—a real person will guide you through each step. We’re creating a banking experience that’s easy to navigate and built on genuine support.
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 Accounts
Deposit 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.
Fees
We 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 January 13, 2026, and may change at any time. Fees, if applicable, may reduce earnings.