316 Ministry Checking Account
Where Stewardship Meets Strength
Designed specifically for churches, ministries, and nonprofit organizations,
316 Ministry Checking helps you manage resources wisely while earning 2.50% annual percentage yield (APY*).
When your finances are aligned with your mission, every dollar can go further.
Account Features
Accounts are opened through Primis Bank, which powers the 316 Financial experience behind the scenes.
Earn 2.50% APY
No monthly account or maintenance fees
No overdraft or item fees
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 to monitor:
Giving activity
Spending patterns
Cash flow and reserves
Built for Ministries of All Sizes
Who is this account for?
Churches, Ministries, Nonprofit organizations, and Verified 501(c)(3) organizations (subject to review).
Rooted in Christian values
We tithe 10% of profits to causes that uplift communities and advance the Gospel.
FDIC-insured and fully digital
Safe, secure, and easy to manage—anytime, anywhere.
Real people, ready to help
You’ll get 24/7 support from our dedicated team. No bots. No runaround.
The 316 Purpose Partner Program
We’ve developed a unique checking account for churches that want to take giving further. When members of your congregation open accounts with 316, your church could receive a quarterly donation based on the total balances held.
It’s a way to turn everyday banking into lasting support for your mission—with no extra effort or expense for your members.
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.