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Extended Coverage Receiving Banks
Extended Coverage Receiving Banks 316 Financial Extended Coverage Program Receiving Banks ListAs of July 23, 2025Receiving BankFDIC #% of Program DepositsCITY NATIONAL BANK1728112.5%METROPOLITAN COMMERCIAL BANK3469912.5%CITIZENS BANK, N.A.5795712.5%WESTERN ALLIANCE BANK5751212.5%BELL BANK1958112.5%SOFI BANK, N.A.2688112.5%UMPQUA BANK1726612.5%RENASANT BANK1243712.5%Please note the following details of the program:Per 316 Financial Savings Account, 316 Financial will sweep balances over $250,000 (Target Balance) and up to a maximum balance of $2,000,000 (maximum program deposit amount).
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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 Business Rewards Checking Earn rewards on everyday business purchases. 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.
Budget-Friendly Egg Decorating Ideas (Without Breaking the Bank)
Budget-Friendly Egg Decorating Ideas Celebrate Easter with budget-friendly egg decorating ideas—from painted potatoes to DIY dyes—perfect for fun without breaking the bank. Budget-Friendly Egg Decorating Ideas (Without Breaking the Bank) Author: 316 Financial | Published: Thursday, April 3, 2025 Easter egg decorating doesn’t have to cost a fortune—especially with egg prices higher than ever. Here are a few creative and affordable ways to keep the tradition going without cracking your budget.Try “Eggstra” Materials Skip pricey eggs and decorate reusable alternatives like foam, wood, or plastic eggs from craft stores. They’re inexpensive, mess-free, and you can save them for next year. Even paper cutouts shaped like eggs can be a fun, budget-friendly way to get the family involved.Paint Potatoes Instead No, it’s not a joke—painting potatoes is actually catching on as a cheap and sturdy alternative to real eggs. They’re easier for little hands to decorate and cost less per dozen. Plus, you can cook them later to avoid waste.Edible Egg Alternatives Get creative with treats that double as decor. Mold Rice Krispies Treats into egg shapes or make Jell-O eggs in fun colors. They’re easy, affordable, and a hit with kids.DIY Dyes and Decor Forget the expensive dye kits. Make your own with items like coffee, tea, turmeric, or even beets for natural colors. Decorating with markers, stickers, or yarn is also an inexpensive way to keep things festive.Skip the Eggs Altogether If you want to avoid eggs entirely, try making salt-dough ornaments in egg shapes and let the kids paint them. They’re cheap to make and double as keepsakes to hang up next year.Remember, the eggs are fun—but Easter is about so much more. It's a time to reflect on hope, faith, and the promises that matter most. Happy Easter! 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
Understanding FDIC Coverage: What It Means for Your Money
FDIC Coverage Learn how FDIC insurance protects your deposits at 316 Financial. Understand what’s covered, how it works, and why your money is safe—up to $250,000. Understanding FDIC Coverage: What It Means for Your Money Author: 316 Financial | Published: Monday, February 10, 2025 At 316 Financial, trust and security are non-negotiable. Banking services are provided by 316 Financial, a division of Primis Bank, Member FDIC—ensuring your eligible deposits are protected up to FDIC limits. But what exactly does FDIC insurance cover, and how does it work for you?What is FDIC Coverage?FDIC insurance is a government-backed protection that ensures your money is safe if an FDIC-insured bank ever fails. It gives you peace of mind by safeguarding your deposits up to a specific limit, no matter what happens in the financial world.Key Benefits of FDIC Insurance:Covers up to $250,000 per depositor, per ownership category, per FDIC-insured bank Whether you have one or more deposit accounts, your funds are protected up to the insured limit.Protects multiple types of accounts FDIC coverage applies to checking accounts, savings accounts, money market deposit accounts, and certificates of deposit.Guaranteed by the U.S. government Your deposit accounts are backed by the full faith and credit of the U.S. government.No cost to you FDIC insurance is automatically applied to your eligible accounts—no need to sign up or pay extra.How FDIC Coverage Works at 316 Financial316 Financial is a division of Primis Bank, Member FDIC. Your eligible accounts are covered through Primis Bank as an FDIC-insured institution. This means your 316 Financial deposits receive the same level of protection you'd expect from any major financial institution.Important Things to Know:Your deposits are insured up to $250,000 per depositor, per ownership category at Primis Bank.You don’t need to do anything extra—your coverage is automatic.FDIC insurance covers funds in deposit accounts only, not investments like stocks, insurance or crypto assets.FDIC insurance offers peace of mind, so you can focus on what matters most—growing your money and making a meaningful impact. Banking with 316 Financial means you’re not only supporting causes that uplift communities, but your deposit accounts are also backed by the trusted security of FDIC insurance. It’s just another way we’re committed to providing a better banking experience—one that’s both purpose-driven and protected.Want to learn more? Visit the official FDIC website for detailed information and tools to calculate your coverage. 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
Get Paid Faster with Direct Deposit
Get Paid Faster with Direct Deposit Get paid faster with direct deposit. Learn how to set it up, access your funds early, and enjoy secure, hassle-free banking with 316 Financial. Get Paid Faster with Direct Deposit Author: 316 Financial | Published: Monday, March 31, 2025 In today’s fast-paced world, managing finances efficiently is essential, and one simple yet impactful way to do so is by setting up direct deposit for your bank account. Direct deposit is a secure, convenient, and reliable method of receiving payments, whether from your employer, government benefits, or other sources. How Do I Set Up Direct Deposit? Log in to online banking.Follow our Pinwheel guide to set up direct deposit in just a few clicks. That’s it – easy as 1-2-3.Prefer Paperwork?Download our direct deposit form.Fill out the form with your specific information.Talk to your employer or person that pays you. They may need additional paperwork or a voided check to complete the process. Why Should I Set Up Direct Deposit? One of the biggest benefits is convenience. With direct deposit, you don't have to worry about going to the bank or waiting in line to deposit your paycheck. You can also get paid up to two days early! Once we’re notified of an upcoming direct deposit, we’ll go ahead and credit your account, up to two days early. This means faster access to your funds and less hassle. Security is another significant advantage. Direct deposit eliminates the risk of losing a paper check, reducing the chances of theft or misplacement. It’s also more environmentally friendly since it cuts down on paper use. Additionally, direct deposit can help you avoid late payments. With automatic deposits, you never have to worry about forgetting to deposit your paycheck, ensuring bills are paid on time. Many banks even offer early access to your funds with direct deposit, letting you access your money sooner than waiting for a traditional check. Lastly, setting up direct deposit can lead to better financial organization. When payments are automatically deposited, it's easier to track your income and spending, making budgeting and managing your finances simpler. Overall, setting up direct deposit can save you time, offer peace of mind, and help you stay on top of your financial game. It's a win for everyone! 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
Grandparent Scams: Protecting Those Who Matter Most
Grandparent Scams Learn how to spot and stop grandparent scams. Protect your loved ones from fraudsters who prey on emotions to steal money. Stay informed and safe. Grandparent Scams: Protecting Those Who Matter Most Author: 316 Financial | Published: Monday, March 31, 2025 Scammers have no shame. One of their worst tricks? Grandparent scams—where they pretend to be a grandchild in trouble to steal money. These scams prey on love, urgency, and fear. Here’s how to spot them and keep your family safe. How the Grandparent Scam Works You get a call or text—"Grandma? Grandpa? It’s me!"They sound panicked—saying they’ve been in an accident, arrested, or stranded.They beg for money—usually through wire transfer, gift cards, or crypto.They ask you to keep it a secret—so parents won’t "get mad" or they won’t "get in trouble."How to Protect Yourself & Loved Ones Pause and stay calm. Scammers want you to panic. Take a deep breath before acting.Verify their identity. Ask a question only your real grandchild would know. Or call their actual phone number.Never send money quickly. No legitimate emergency requires secrecy or gift cards.Talk to family. If something feels off, check with another relative before responding.Educate loved ones. Have conversations with elderly family members about these scams.If you or someone you know has been targeted, report it immediately. And if bank info was involved, call us at 833.316.3167. At 316, we’re all about peace of mind. Check out more resources on avoiding scams by clicking here. bank316.com/security 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
Phishing, Smishing, Vishing: Don’t Take the Bait
Phishing Scams Learn how to spot phishing, smishing, and vishing scams. Stay alert and protect your personal info with tips from 316 Financial. Don’t take the bait. Phishing, Smishing, Vishing: Don’t Take the Bait Author: 316 Financial | Published: Thursday, March 27, 2025 Scammers are getting creative, but their goal is always the same—to steal your personal information. Phishing, smishing, and vishing are different ways they try to trick you into handing it over. Here’s what you need to know to stay ahead. How These Scams Work Phishing (Email Scams): You get an email that looks legit—maybe from your bank, a friend or even your church. It asks you to click a link, update your password, or confirm your account details. The link leads to a fake site designed to steal your info.Smishing (Text Message Scams): A text pops up claiming you’ve won a prize, your account has been compromised, or you need to verify a charge. The link? A trap. Clicking it could install malware or steal your login credentials.Vishing (Phone Call Scams): A caller, often pretending to be from your bank, tech support, or even the IRS, pressures you to provide sensitive information over the phone. They may spoof a real phone number to seem credible.Red Flags to Watch For Urgency and fear tactics. “Act now, or your account will be locked!” Scammers want you to panic.Requests for personal info. No real company will ask for your passwords, PINs, or full Social Security number over email, text, or phone.Suspicious links. Hover over a link before clicking—if it looks strange or doesn’t match the sender, don’t trust it.Unexpected attachments. A random invoice, receipt, or tracking number? Don’t open it. It could be malware.Caller ID tricks. Just because it looks like your bank’s number doesn’t mean it is. Always hang up and call back using a trusted number.If you get a message, email, or call that feels off—stop, think, and verify. When in doubt, contact us directly at 833.316.3167. 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
Romance Scams: When Love Isn’t What It Seems
Romance Scams Romance scams are on the rise. Learn how to spot the red flags, protect your heart and money, and help loved ones avoid online relationship fraud. Romance Scams: When Love Isn’t What It Seems Author: 316 Financial | Published: Thursday, March 27, 2025 Love is a beautiful thing—but not when it’s a scam. Romance scams are on the rise, preying on good-hearted people looking for connection. These scams don’t just break hearts—they empty bank accounts. Here’s what you need to know to protect yourself and your loved ones. How Romance Scams Work Scammers create fake identities, gain trust, and then ask for money. It usually goes like this: They meet you online. Dating apps, social media, even faith-based groups—scammers know where to find people looking for genuine connections.They move fast. Sweet messages, deep conversations, even “I love you” within weeks. They make you feel special.They have a reason they can’t meet in person. They’re “stationed overseas,” “on a secret business trip,” or “dealing with a personal crisis.”They ask for money. The excuses vary—medical bills, travel costs, family emergencies—but the request is always urgent.Who’s at Risk? Anyone. But scammers often target:✅ Widows and divorcees looking for companionship✅ People of faith who trust easily and want to help✅ Older adults who may be less tech-savvy✅ Newcomers to online dating who don’t know the red flags How Victims Lose Money Scammers use different methods to drain bank accounts:🚨 Wire transfers: Hard to trace, impossible to reverse🚨 Gift cards: A common scam method—once the code is shared, the money is gone🚨 Cryptocurrency: Fast, anonymous, and untraceable🚨 Bank info: They might convince victims to "help" by depositing a check. sharing account details or opening an account for them. How to Stay Safe 💡 Be skeptical of online romances that move too fast💡 Never send money, gift cards, or crypto to someone you haven’t met in person💡 Watch for excuses when they refuse video calls or in-person meetings💡 Talk to someone you trust before making any financial decisions If you or someone you love might be caught in a romance scam, act fast. Stop all contact, report it to the FTC, and call us at 833.316.3167 if your bank account was involved. Real love is patient, kind, and never asks for money through a screen. Stay wise, stay safe. 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
Scammers Are Posing as the IRS—Here’s How to Stay Safe
IRS Scams Scammers are posing as the IRS via text to steal your info. Learn how to spot fake messages, protect your data, and stay safe with tips from 316 Financial. Scammers Are Posing as the IRS—Here’s How to Stay Safe Author: 316 Financial | Published: Friday, March 28, 2025 Scammers are using fake IRS texts to steal personal information, making it seem like you need to act fast to claim your payment. But the truth is simple: ✅ If you qualify, the IRS will send your payment automatically.✅ You’ll get it by direct deposit or check—no action required.✅ The IRS will never text you asking for personal or financial details. How to Spot a Scam: 🚨 The IRS doesn’t send texts about payments or ask for sensitive information.🚨 Official government websites end in “.gov”—scammers often use “.com” to look legit.🚨 If it feels off, trust your instincts. What to Do If You Get a Scam Text: 📌 Ignore it. Don’t engage or reply.📌 Don’t click any links. It could steal your personal data.📌 Report it. Forward scam texts to The U.S. Treasury Inspector General Hotline. At 316 Financial, we believe in protecting what matters most—including your financial security. Stay aware, stay safe, and always double-check before you trust. 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
The $1 Rule: A Surprisingly Simple Way to Build Your Savings
The $1 Rule: A Surprisingly Simple Way to Build Your Savings Discover the $1 Rule—an easy, stress-free way to build savings. Learn how saving just $1 a day can grow into a meaningful financial cushion with 316 Financial. The $1 Rule: A Surprisingly Simple Way to Build Your Savings Author: 316 Financial | Published: Wednesday, April 2, 2025 Saving money can feel overwhelming—especially when life is full of bills, responsibilities, and the unexpected. But what if the secret to growing your savings wasn’t about big sacrifices, just small steps? Enter the $1 Rule: the simple, no-stress way to build a financial cushion, one dollar at a time.Why $1 Matters More Than You ThinkIt’s easy to dismiss a single dollar. But saving money isn’t just about how much—it’s about consistency. Setting aside $1 a day adds up to:$30 a month—enough to cover a streaming subscription, a meal out, or a little extra gas.$365 a year—a holiday fund, a car repair, or a start to your emergency savings.$1,825 in five years—a serious financial cushion, without making any drastic lifestyle changes.Now imagine increasing that to $2, $5, or rounding up your purchases into savings. The habit of saving grows just as fast as the balance.Earn Interest—Grow Your Money FasterHere’s where the magic happens: when your savings earns interest, your money grows even faster. Instead of just stacking up what you put in, interest helps multiply your savings over time.With 316 Financial's Interest Savings, you earn 4.05% APY (annual percentage yield*), so every dollar you save is working for you. Even better? Your savings helps support causes that uplift—because banking should be about more than just money.Automate It and Forget ItThe easiest way to stick to the $1 Rule? Make it automatic. Set up a daily or weekly transfer to a high-yield savings account, and let time do the work for you. The more effortless it is, the more likely you are to keep saving.Small Steps, Big ImpactA dollar a day may not feel like much, but it’s proof that small actions lead to big results. And when you bank with a company that aligns with your values, every dollar has even more purpose. Remember, deposit accounts can be opened with as little as $1. *APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of March 6, 2025, and may change at any time. Fees, if applicable, may reduce earnings. 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