316 Business Interest Checking Account
Earn More While Doing Business Your Way
If your business maintains higher balances, 316 Business Interest Checking helps your money work harder—without sacrificing flexibility or piling on fees. You earn 1.75% annual percentage yield (APY*) while keeping full access to your funds.
Because smart financial stewardship creates room for greater impact.
Account Features
Accounts are opened through Primis Bank, which powers the 316 Financial experience behind the scenes.
Earn 1.75% APY
No monthly account or maintenance fees
No overdraft fees
No item or transaction fees—unlimited transactions
Free ATM access, nationwide. We refund fees at the end of each statement cycle.
Free incoming wires and cashier’s checks
Refund of all originating wire fees
Business Account Features
Access to Business Insights tools, including:
Cash flow analytics
Spending breakdowns and category tracking
Employee spending insights
Competitive benchmarking and performance monitoring
Balance Growth Meets Day-To-Day Flexibility
Backed by purpose
We tithe 10% of profits to causes that uplift communities and reflect His teachings.
No monthly fees. No hoops.
We’re committed to a banking experience built around 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.
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.