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3 Easy Ways to Track Your Spending in 2026
3 Easy Ways to Track Your Spending in 2026 - 316 Financial Track your spending with simple, faith-centered strategies for 2026—using banking tools, alerts, and automated savings to steward your money well. 3 Easy Ways to Track Your Spending in 2026 Author: 316 Financial | Published: Saturday, January 3, 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. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Related Tags Finance Share on Related Articles Budget-Friendly Egg Decorating Ideas (Without Breaking the Bank) 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! Read Article Get Paid Faster with Direct Deposit 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! Read Article The $1 Rule: A Surprisingly Simple Way to Build Your Savings 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. Read Article News & Press Building Trust in a Digital Generation We're honored to share that Paige Whitaker, our Brand Growth & Partnerships Manager, was invited back to contribute to the Christian Leadership Alliance blog — a nationally recognized platform that equips Christian leaders in nonprofit ministry and business.Her latest article, titled “Building Trust in a Digital Generation,” explores why trust has become the defining currency for younger generations and how ministries and organizations can cultivate transparency, consistency, and genuine connection in a digital-first world.The post encourages leaders to consider how trust is built—not just through messaging, but through everyday actions that reflect integrity, clarity, and follow-through.You can read the full article on CLA’s website here.Thank you to Christian Leadership Alliance for inviting us back into this meaningful conversation. Read Article
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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 ACCOUNTS THAT REFLECT YOUR VALUES Purpose-driven accounts designed to reward, grow, and uplift. 316 Rewards Checking Earn rewards on your everyday spending—1% cash back, no fees, and free ATM access. 316 Interest Checking Grow your balance with competitive interest, no fees, and free nationwide ATM access. 316 Interest Savings Save with purpose—earn interest, enjoy no fees, and access smart financial tools. 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. Hope In Every Page Spreading hope, one book at a time! Our volunteers donated books to Children's Hospital of Richmond at VCU. Serving With Heart Team members helped stock the food pantry at First Baptist Woodstock in Georgia. 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 July 1, 2025, and may change at any time. Fees, if applicable, may reduce earnings.
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Articles | 316 Financial Exploring Our Bank’s Services: Articles & Insights Blogs Exploring Our Bank’s Services: Articles & Insights All Blog Posts Security (8) Finance (8) 3 Easy Ways to Track Your Spending in 2026 316 Financial 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 316 Financial 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 Protecting Seniors from Financial and Cyber Scams 316 Financial Every year, scammers steal millions of dollars from older adults by preying on trust, routine, and the desire to help others. Senior Citizens Day, observed on August 21, is a reminder to honor the wisdom and contributions of older generations—and to protect them from those who would take advantage.Popular Scams Targeting Seniors Right NowTech Support ScamsA caller or pop-up claims your computer has a virus and offers to “fix” it for a fee. In reality, they’re after your credit card number or remote access to your device.Imposter ScamsFraudsters pretend to be government officials, bank representatives, or even family members. The message is always urgent: send money now or face serious consequences.Fake SweepstakesVictims are told they’ve won a prize—but must first pay taxes or fees to claim it. The winnings never arrive.Romance ScamsOnline scammers build relationships through dating sites or social media, then ask for money to cover emergencies or travel.Medicare and Health ScamsFraudsters pose as Medicare representatives, asking for personal or payment information under the guise of providing benefits.How to Stay SafeSlow down. Scammers thrive on urgency. Pause before giving out information or sending money.Verify the source. Call the company, government agency, or family member directly using a number you know is legitimate.Guard your information. Never share Social Security, Medicare, or bank account numbers over the phone, email, or text.Use strong passwords. Add extra protection with multifactor authentication whenever possible.Talk openly. Families can help by discussing common scams and encouraging loved ones to check in before making financial decisions.Looking Out for Loved OnesSeniors aren’t alone in facing these threats. Family members, friends, and caregivers all play a role in keeping them safe. Check in often, talk about the latest scams, and make sure they feel comfortable asking questions before taking action. Read Article Faith & Finances on the Go 316 Financial Summer is a time for travel, rest, and family, but your faith and finances still matter. Whether you’re hitting the road or just slowing down your pace, here are a few ways to stay intentional with your time, money, and mindset this season. 1. Pack Light, Give Big Vacation is a great time to declutter, not just your suitcase, but your habits too. What can you simplify? Where can you give more generously, even in small ways? 🧳 Tip: Use the money you saved by skipping that extra dinner out to bless someone else—whether it’s a tithe, donation, or a kind gesture. 2. Stewardship Doesn’t Stop at State Lines Being a good steward doesn’t take a vacation. With tools like mobile banking, budgeting apps, and account alerts, you can keep tabs on your spending and stay intentional no matter where you are. 📱 Tip: Set up travel notifications or account alerts before you hit the road. 3. Make Room for Sabbath Moments True rest is more than just time off. Carving out time to pray, reflect, or simply unplug can restore your spirit and your perspective. 🌿 Tip: Block out 10 minutes each morning—even on vacation—to start the day with peace, prayer, or reflection. 4. Spend with Purpose Summer can be full of impulse buys. Before you swipe your card or click "add to cart," pause and ask: Does this purchase support my values? 🛍️ Tip: Try journaling one purchase each week that brought true value or meaning. 5. Faith on the Road You don’t need to be home, or in church, to feel connected to your faith. Podcasts, Bible apps, and playlists can help you stay grounded on the go. 🎧 Tip: Download a favorite devotional, sermon or podcast before your next road trip. Wherever this summer takes you, stay rooted in what matters most. Faith. Purpose. Stewardship.Need help setting up alerts or reviewing your accounts? We’re here to help. Read Article 5 Ways to Protect Your Finances While You Travel 316 Financial Summer travel should bring peace, not panic. Whether you're visiting family, heading out on a mission trip, or taking a well-earned break, it's important to safeguard what’s been entrusted to you. These simple steps can help you protect your personal info, your accounts, and your peace of mind—so you can stay focused on what matters. Use Secure Wi-Fi (or skip it).Avoid checking your accounts or making purchases over public Wi-Fi, especially in airports or hotels. If needed, use a secure hotspot or VPN.Enable account alerts.Turn on transaction alerts and low balance notifications in your banking app so you’re instantly aware of any suspicious activity.Don’t post travel plans publicly.Sharing that you're out of town can make you an easy target for scammers or identity theft. Keep details private or wait to share after your trip.Be cautious with ATMs.Use only ATMs from trusted banks in well-lit areas. Avoid standalone machines and always check for card skimmers before inserting your card.Carry only what you need.Bring just one debit or credit card (plus a backup stored separately). Leave unnecessary cards or documents at home to limit your risk. Being a good steward includes staying alert. A few quick precautions can help you travel with confidence—knowing your finances and your faith are both covered. Read Article From House to Home: 5 Homeownership Habits 316 Financial June is National Homeownership Month—a time to celebrate the value of homeownership and the impact it has on families, neighborhoods, and futures. Owning a home is more than a milestone. It’s a foundation for stability, independence, and long-term financial growth. And like any good investment, it works best when you manage it with intention. Here are five habits every homeowner should keep in their toolkit: 1. Budget for the Unexpected Homeownership comes with surprises—some small, some expensive. From appliance repairs to rising utility costs, preparing for the unexpected keeps you ahead of the stress. ✅ Set aside a little each month in a dedicated home fund. It’ll help you avoid debt and keep things running smoothly when life happens. Pro tip: Set aside a savings account, just to prep for the unexpected. 2. Build Equity—and Know What It Means Every mortgage payment you make helps build equity in your home, which can be a valuable financial resource down the road. ✅ Stay informed about your home’s market value and understand how equity works. It can open the door to future opportunities like renovations, investing, or long-term planning. 3. Revisit Your Mortgage Every Year Markets change. Life changes. It’s smart to check in on your mortgage terms regularly. ✅ Consider an annual review to see if your loan still fits your needs. Whether it’s refinancing, updating your escrow, or just making sure you’re on track, a quick check-in can go a long way. 4. Protect Your Home—and Your Accounts A home is more than walls—it’s where your personal and financial information lives, too. ✅ Use strong passwords, monitor your accounts, and be alert to scams—especially during busy seasons like summer. A little caution goes a long way in protecting what matters most. Click here to learn more about protecting what matters most. 5. Plan With Purpose Whether you're saving for upgrades, preparing to host more, or building toward your next goal—having a clear plan helps. ✅ Set short- and long-term financial goals related to your home, and check in on them a few times a year. Thoughtful planning supports both your lifestyle and your financial health. 🏠 Here’s to Homeownership Homeownership doesn’t just change your address—it can change your future. This month, we celebrate the progress, potential, and possibilities that come with having a place to truly call your own. Read Article Faith, Finances, and Fraud Protection 316 Financial How to Be a Wise Steward This SummerWe believe every dollar has a purpose—and it's our job to help you protect what’s been entrusted to you. Whether you're heading into summer vacation mode or just trying to stay one step ahead of online threats, it's the perfect time to sharpen your financial security habits.Here are 5 simple ways to keep your money and information safe this season—without losing your peace of mind.1. Don’t Trust Every Text or EmailScammers love pretending to be your bank, your utility provider, or even a ministry asking for donations. If you get a message asking you to click a link, log in, or “confirm” your information—pause.What to do: Go directly to the official website or contact the organization through a known, trusted number. Never click on a link you weren’t expecting.Remember: 316 will never call or text you asking you to provide details regarding your personal info or account, unless you prompt the call.2. Use Alerts to Catch Trouble EarlyReal-time text and app alerts are one of the easiest ways to spot fraud before it escalates. If someone makes a purchase or withdrawal, you’ll know instantly—and can take action.What to do: Turn on transaction alerts in your 316 mobile app for every debit card purchase or login attempt.3. Keep Your Access Personal and ProtectedWe trust the people closest to us—but financial security starts with personal responsibility. Even with good intentions, sharing your login can lead to accidental mix-ups or create openings for fraud.What to do: Think of your account access like your house key: it’s best kept in your hands. If someone else needs access, let’s talk about safer ways to share information or set up the right account for their needs.4. Avoid Public Wi-Fi for Financial TransactionsAirports, coffee shops, and hotel Wi-Fi networks are convenient—but not always secure. Logging into your bank or uploading sensitive documents over public Wi-Fi opens the door for hackers.What to do: Use your phone’s data connection for banking tasks or wait until you're on a secure, private network.5. Practice Purposeful Generosity, SafelyGiving to causes that matter is at the heart of what we do—but even generosity can be hijacked by fraudsters. Fake charities or spoofed donation sites are on the rise.What to do: Always vet organizations before donating. If something feels off, it probably is. And when in doubt, reach out—we’re happy to help verify.Your Financial Safety Is Part of Your StewardshipBeing a wise steward isn’t just about how you give—it’s also about how you guard what’s been entrusted to you. With a few simple habits and the right tools, you can move through summer with confidence, clarity, and care. Need help setting up alerts or reviewing your account? Call us any time. Read Article Guarding What Matters: Staying Safe from Check Fraud 316 Financial At 316, we believe managing money is more than math—it’s stewardship. That means not just giving generously, but protecting wisely. Whether you’re running a ministry, leading a business, or simply trying to live out your purpose, part of honoring God with your finances is guarding what He’s placed in your hands.That’s why we want to talk about something that feels a little old-school but is still a very real threat: check fraud.Wait, people still write checks?They do—and scammers know it. In fact, check fraud is on the rise. Why? Because checks are physical, easy to alter, and often overlooked in a world where most people watch their debit cards but not their paper trail.In 2023, the U.S. Postal Service and financial regulators issued warnings about a spike in mail-based check scams. And it’s not just a big-city problem. It’s happening in small towns, local churches, and nonprofit offices—often to people who are just trying to do good.Who’s at risk?Honestly? Anyone. But especially:Churches and ministries who receive check donationsSmall business owners who still pay vendors by checkOlder adults who prefer paper over digitalAnyone who sends or receives checks by mailWhat check scams look likeScammers are getting creative—but here are a few red flags to watch for:You’re sent a check and asked to send money back. (They’ll say it’s a mistake or overpayment—then the check bounces.)The check amount seems off or more than expected.You spot smudged signatures, strange fonts, or different inks.You receive a check out of the blue—like a rebate, prize, or refund you didn’t ask for.Simple ways to protect yourselfYou don’t need a finance degree to outsmart a scam. Just take these small steps:Use online bill pay or ACH transfers instead of mailing checksOnly deposit checks from people you know and trustCheck your account activity weekly—don’t wait for statementsShred old checks and deposit slips before tossing themReport anything suspicious right away—to your bank and the authoritiesKnow that at 316, we’re doing everything we can to help you steward well and live with peace.If you think you’ve been targeted or want to talk through your options, reach out. We’re here for you—always. Read Article Teaching Kids to Save with Purpose 316 Financial At 316 Financial, we believe that financial literacy for children isn't just a nice-to-have — it's essential. Teaching kids how to save money builds a strong foundation for lifelong financial responsibility and wise stewardship.That’s why we’re celebrating National Teach Children to Save Day: a nationwide initiative dedicated to helping kids understand the value of money, the importance of saving, and how to develop smart money habits from an early age.Why It’s Important to Teach Kids About Money EarlyJust like planting a garden, teaching children about money requires time, patience, and consistency. But when we introduce saving and budgeting at a young age, we equip them with tools to become confident, generous, and responsible adults.Easy and Engaging Ways to Teach Kids to SaveWant to know how to teach your child to save money? Here are some fun and practical ideas to get started:Tell a Story Kids learn through storytelling. Share personal experiences about saving for something special or learning how to manage your money wisely.Use the Jar System Label three jars: “Give,” “Save,” and “Spend.” This visual method helps children understand basic budgeting and the purpose of each dollar.Make It a Game Use play money, savings apps, or board games like Monopoly Junior to introduce concepts like earning, spending, and saving in a fun and memorable way.Celebrate Milestones Whether they save $5 or $50, celebrate the achievement! Talk about the next goal and how they might reach it — this reinforces positive saving behavior.Raising Financially Savvy Kids Is About More Than MoneySaving is more than just a financial skill. It’s also a form of intentional stewardship. When we teach children to save, we’re helping them grow into wise caretakers of their resources and blessings.Additional Resources for Teaching Kids to SaveLooking for more ideas? Check out the Consumer Financial Protection Bureau’s Activities for Kids. You'll find free, age-appropriate resources to help build financial literacy at home. Read Article Spring Cleaning for Your Finances: A Values-Based Approach 316 Financial The days are getting longer, flowers are starting to bloom—spring is here! It’s the perfect time to refresh your home … and also take a closer look at your finances. At 316 Financial, we believe managing money is about more than just numbers—it’s about aligning your financial decisions with your values. As you welcome spring with a fresh mindset, here are a few thoughtful ways to “spring clean” and uplift your money habits. 1. Reflect and RenewJust like you open the windows and invite fresh air into your home, spring is a great time to open up your finances and clear out any junky habits. Is your current spending helping you live with purpose? Are your financial choices in line with what matters most to you? Take time to review your expenses, savings, and goals, and consider how your future decisions can better reflect the life you want to lead. 2. Tidy Up Your BudgetIf your budget feels more chaotic than peaceful, it might be time to simplify. Take time to review your monthly spending and cancel unused subscriptions, trim recurring expenses, and redirect your spending toward things that bring lasting value. Updating or creating a monthly budget helps you manage your resources intentionally (and creates peace of mind in the process). 3. Set New GoalsHave you been meaning to start an emergency fund, pay down debt, or plan a vacation without relying on credit cards? Writing down your goals—no matter how large or small—gives you something tangible to aim for, and a motivating reminder when you need to stay on track. 4. Give GenerouslyPart of stewardship—financial and otherwise—is giving generously and graciously. Consider supporting a cause, nonprofit, or neighbor in need. Generosity renews our perspective and reminds us of the meaningful impact our resources can have in the lives of others. 5. Start Fresh with GraceIf previous financial choices are weighing you down, remember this: your financial story is still being written. Spring cleaning your finances isn’t about guilt—it’s about growth. What matters most is where you go from here. Choose an uplifting path forward that brings peace, clarity, and purpose. Read Article Budget-Friendly Egg Decorating Ideas (Without Breaking the Bank) 316 Financial 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! Read Article The $1 Rule: A Surprisingly Simple Way to Build Your Savings 316 Financial 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. Read Article The Power of ‘Paying Yourself First’ (And How to Make It Happen) 316 Financial Most people handle money the same way: paycheck comes in, bills get paid, groceries get bought, and whatever’s left (if anything) goes into savings. The problem? There’s never "extra" money to save.That’s why the most financially successful people flip the script. They follow one simple rule: pay yourself first.What Does It Mean to Pay Yourself First?Paying yourself first means treating saving like a non-negotiable bill—just like rent, your phone plan, or electricity. Before you pay anyone else, you set aside money for your future.Why? Because if you wait until the end of the month to save what’s left over, you’ll always find something to spend it on.How to Make It Happen (Without Thinking About It)The trick is to make saving automatic so it happens before you even have a chance to miss the money. Here’s how:Set Up an Auto-Transfer – Have a percentage of your paycheck automatically deposited into savings. Even $20 a week adds up over time.Use High-Interest Savings – When your money earns interest, it grows even faster. With 316 Financial, you earn 4.05% APY (annual percentage yield*), helping you build wealth just by letting your money sit.Think of It as a Bill – Budget for your savings the same way you budget for rent or insurance. It’s not “extra”—it’s essential.Start Small & Increase Over Time – If 10% of your paycheck feels too ambitious, start with 5% or even 2%. The key is building the habit.Make It Harder to Spend – Keep your savings in a separate account from your checking. Out of sight, out of temptation.Your Future Self Will Thank YouThe beauty of paying yourself first? Over time, your savings grows without stress or sacrifice. And with no monthly service fees, 24/7 support, and an account that helps support causes that uplift, 316 Financial makes saving simple—and meaningful. Read Article Get Paid Faster with Direct Deposit 316 Financial 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! Read Article Grandparent Scams: Protecting Those Who Matter Most 316 Financial 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 Read Article Scammers Are Posing as the IRS—Here’s How to Stay Safe 316 Financial 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. Read Article Phishing, Smishing, Vishing: Don’t Take the Bait 316 Financial 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. Read Article Romance Scams: When Love Isn’t What It Seems 316 Financial 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. Read Article
316 Financial Named Official Financial Partner of RELEVANT Magazine
Official Financial Partner of RELEVANT Magazine 316 Financial joins RELEVANT Magazine as its official financial partner for 2026, offering tools and resources for intentional money habits. 316 Financial Named Official Financial Partner of RELEVANT Magazine Author: 316 Financial | Published: Tuesday, January 13, 2026 316 Financial is proud to announce a new partnership with RELEVANT Magazine, serving as its official financial partner for 2026.For more than two decades, RELEVANT has helped readers thoughtfully engage faith, culture, and everyday life. That same commitment to intentional living is what drew 316 Financial to this partnership. Together, the two organizations share a common goal: helping people make wiser, more thoughtful decisions in the areas that matter most.As the official financial partner, 316 Financial will support RELEVANT’s audience with practical tools and resources designed to encourage intentional money habits—whether that’s banking with purpose, growing savings, or thinking more carefully about how finances align with personal values.“RELEVANT has built a trusted relationship with an audience that wants to live thoughtfully and with clarity,” said Paige Whitaker, Brand Growth & Partnerships Manager at 316 Financial. “We see this partnership as a natural extension of that mission—bringing the same intentionality to finances that RELEVANT brings to faith and life.”Through this partnership, 316 Financial will collaborate with RELEVANT across digital and podcast platforms throughout 2026, offering financial education, exclusive opportunities, and meaningful engagement tailored to RELEVANT’s readership.316 Financial continues to expand partnerships with organizations that share a commitment to stewardship, transparency, and intentional decision-making. This collaboration with RELEVANT reflects that ongoing effort to meet people where they are and provide banking solutions that support real life.To learn more about 316 Financial and its mission, visit bank316.com/relevant. Share on Related Articles Budget-Friendly Egg Decorating Ideas (Without Breaking the Bank) 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! Read Article Understanding FDIC Coverage: What It Means for Your Money 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. Read Article Get Paid Faster with Direct Deposit 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! Read Article
Building Trust in a Digital Generation
Building Trust in a Digital Generation Paige Whitaker explores building trust with younger generations in her latest Christian Leadership Alliance article for ministries and leaders. Building Trust in a Digital Generation Author: 316 Financial | Published: Friday, November 14, 2025 We're honored to share that Paige Whitaker, our Brand Growth & Partnerships Manager, was invited back to contribute to the Christian Leadership Alliance blog — a nationally recognized platform that equips Christian leaders in nonprofit ministry and business.Her latest article, titled “Building Trust in a Digital Generation,” explores why trust has become the defining currency for younger generations and how ministries and organizations can cultivate transparency, consistency, and genuine connection in a digital-first world.The post encourages leaders to consider how trust is built—not just through messaging, but through everyday actions that reflect integrity, clarity, and follow-through.You can read the full article on CLA’s website here.Thank you to Christian Leadership Alliance for inviting us back into this meaningful conversation. Share on Related Articles Budget-Friendly Egg Decorating Ideas (Without Breaking the Bank) 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! Read Article Understanding FDIC Coverage: What It Means for Your Money 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. Read Article Get Paid Faster with Direct Deposit 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! Read Article News & Press 316 Financial Named Official Financial Partner of RELEVANT Magazine 316 Financial is proud to announce a new partnership with RELEVANT Magazine, serving as its official financial partner for 2026.For more than two decades, RELEVANT has helped readers thoughtfully engage faith, culture, and everyday life. That same commitment to intentional living is what drew 316 Financial to this partnership. Together, the two organizations share a common goal: helping people make wiser, more thoughtful decisions in the areas that matter most.As the official financial partner, 316 Financial will support RELEVANT’s audience with practical tools and resources designed to encourage intentional money habits—whether that’s banking with purpose, growing savings, or thinking more carefully about how finances align with personal values.“RELEVANT has built a trusted relationship with an audience that wants to live thoughtfully and with clarity,” said Paige Whitaker, Brand Growth & Partnerships Manager at 316 Financial. “We see this partnership as a natural extension of that mission—bringing the same intentionality to finances that RELEVANT brings to faith and life.”Through this partnership, 316 Financial will collaborate with RELEVANT across digital and podcast platforms throughout 2026, offering financial education, exclusive opportunities, and meaningful engagement tailored to RELEVANT’s readership.316 Financial continues to expand partnerships with organizations that share a commitment to stewardship, transparency, and intentional decision-making. This collaboration with RELEVANT reflects that ongoing effort to meet people where they are and provide banking solutions that support real life.To learn more about 316 Financial and its mission, visit bank316.com/relevant. Read Article
News & Press
News & Press | 316 Financial Our message in motion. Check out podcast interviews, radio spots, and conversations that share the heart behind 316 Financial. As Seen & Heard Where Purpose Meets Press News & Press Our message in motion. Check out podcast interviews, radio spots, and conversations that share the heart behind 316 Financial. All Blog Posts Security (8) Finance (8) 316 Financial Named Official Financial Partner of RELEVANT Magazine 316 Financial 316 Financial is proud to announce a new partnership with RELEVANT Magazine, serving as its official financial partner for 2026.For more than two decades, RELEVANT has helped readers thoughtfully engage faith, culture, and everyday life. That same commitment to intentional living is what drew 316 Financial to this partnership. Together, the two organizations share a common goal: helping people make wiser, more thoughtful decisions in the areas that matter most.As the official financial partner, 316 Financial will support RELEVANT’s audience with practical tools and resources designed to encourage intentional money habits—whether that’s banking with purpose, growing savings, or thinking more carefully about how finances align with personal values.“RELEVANT has built a trusted relationship with an audience that wants to live thoughtfully and with clarity,” said Paige Whitaker, Brand Growth & Partnerships Manager at 316 Financial. “We see this partnership as a natural extension of that mission—bringing the same intentionality to finances that RELEVANT brings to faith and life.”Through this partnership, 316 Financial will collaborate with RELEVANT across digital and podcast platforms throughout 2026, offering financial education, exclusive opportunities, and meaningful engagement tailored to RELEVANT’s readership.316 Financial continues to expand partnerships with organizations that share a commitment to stewardship, transparency, and intentional decision-making. This collaboration with RELEVANT reflects that ongoing effort to meet people where they are and provide banking solutions that support real life.To learn more about 316 Financial and its mission, visit bank316.com/relevant. Read Article Building Trust in a Digital Generation 316 Financial We're honored to share that Paige Whitaker, our Brand Growth & Partnerships Manager, was invited back to contribute to the Christian Leadership Alliance blog — a nationally recognized platform that equips Christian leaders in nonprofit ministry and business.Her latest article, titled “Building Trust in a Digital Generation,” explores why trust has become the defining currency for younger generations and how ministries and organizations can cultivate transparency, consistency, and genuine connection in a digital-first world.The post encourages leaders to consider how trust is built—not just through messaging, but through everyday actions that reflect integrity, clarity, and follow-through.You can read the full article on CLA’s website here.Thank you to Christian Leadership Alliance for inviting us back into this meaningful conversation. Read Article 316 Financial Partners With Liberty University to Help Students and Alumni Bank With Purpose 316 Financial LYNCHBURG, Va. — 316 Financial has announced a new partnership with Liberty University as an Official Corporate Partner, uniting faith and finance to empower students, alumni and friends of Liberty to bank with meaning.At 316 Financial, the belief is simple: your money should reflect your values. This partnership underscores a shared mission between 316 Financial and Liberty University—an institution dedicated to developing Christ-centered leaders who influence the world for good.“At 316 Financial, our goal is to make banking meaningful,” said Paige Whitaker, brand growth and partnerships manager at 316 Financial. “We believe your financial choices should reflect what matters most to you. Partnering with Liberty University allows us to serve a community that shares our faith-based values and our passion for generosity.”To celebrate the new partnership, 316 Financial is offering $100 to Liberty University students, alumni and friends who open a new checking or savings account:Checking account offer: Open a 316 Interest Checking or 316 Rewards Checking account by Dec. 14, 2025, using promo code LIBERTY, and make at least one debit card purchase by Dec. 31, 2025. Receive $100 deposited into your account by Jan. 15, 2026.Savings account offer: Open a 316 Savings account by Dec. 14, 2025, using promo code LIBERTY, and reach a total deposit balance of $1,000 or more by Dec. 31, 2025, to receive $100 deposited into your account by Jan. 15, 2026.Limit one reward per person. Deposit accounts can be opened with as little as $1. Promotional credit may be reported as interest on a 1099-INT if over $10.“We’re excited to welcome 316 Financial as an Official Corporate Partner of Liberty Athletics,” said Justin Matzker, general manager of Liberty Athletics. “316 Financial shares Liberty’s commitment to faith, excellence and positive impact—values that resonate deeply with our students, alumni and fans. This partnership gives our community an opportunity to align their finances with their faith while supporting an organization that truly gives back.”The partnership reflects a growing movement among Christian organizations to integrate faith-based values into everyday financial decisions. By choosing 316 Financial, Liberty University supporters can make their money matter—investing in both personal growth and Kingdom-minded generosity.To learn more or open an account, visit www.bank316.com/liberty.###About 316 Financial316 Financial is a national, purpose-driven financial institution offering competitive, fee-free banking products that help individuals and organizations align their money with their faith. With a commitment to tithe 10% of profits to causes that reflect His teachings, 316 Financial empowers customers to bank with purpose and impact communities for good. Banking services are provided by 316 Financial, a division of Primis Bank, Member FDIC.About Liberty UniversityLocated in Lynchburg, Virginia, Liberty University is one of the world’s largest Christian universities, training champions for Christ in more than 700 programs of study. Liberty is dedicated to developing Christ-centered men and women with the values, knowledge and skills essential to impact the world.Media Contact:Paige WhitakerBrand Growth and Partnerships Manager316 Financial[email protected] | www.bank316.com/liberty Read Article 316 Financial Discusses the Jimmie Hale Mission Challenge on WDJC 316 Financial We recently joined Perryn Carroll, Executive Director of the Jimmie Hale Mission, at WDJC in Birmingham to share how something as simple as opening a checking account can help change lives in communities like Birmingham, AL.In this powerful conversation, we unpack the heart behind the Jimmie Hale Mission Challenge—a partnership that supports individuals overcoming homelessness, addiction, and crisis by connecting everyday banking to real-life impact.From giving 10% of profits to ministries, to offering modern, fee-free banking designed for generosity, 316 Financial exists to turn money into ministry and faith into action.🎧 Click here to hear how your checking account can become part of a restoration story—starting in Birmingham and reaching far beyond. Read Article 316 on Talk of Alabama: The Jimmie Hale Mission Challenge 316 Financial We were honored to sit down with ABC 33/40’s “Talk of Alabama” to share the vision behind the Jimmie Hale Mission Challenge and how your support makes a lasting difference and how you can get involved in providing hope for our neighbors in need. Read Article 316 Financial Launches Purpose Partner Program to Support Faith-Based Organizations 316 Financial New initiative turns everyday banking into ongoing financial support for churches, Christian schools, and nonprofit ministries.September 22, 2025 — 316 Financial, the faith-driven bank known for tithing 10% of its profits, has announced the launch of its new Purpose Partner Program, a unique initiative designed to help churches, Christian schools, and nonprofit ministries receive consistent financial support—through something their supporters are already doing: banking. The Purpose Partner Program equips faith-based organizations with a custom promo code they can share with their members, families, or supporters. When someone opens a 316 Rewards Checking Account using the organization’s code, 316 Financial tracks those deposits and sends the organization a quarterly donation based on the total balances. There is no cost to participate, and all outreach materials are provided by 316 Financial. “Too many ministries struggle to meet annual fundraising goals,” said Paige Whitaker, Brand Growth & Partnerships Manager at 316 Financial.“This program is designed to come alongside them in a way that’s consistent, faithful, and built to last—just by tapping into what people are already doing. It’s a quiet but powerful way to multiply impact.” Supporters who open a 316 Rewards Checking Account also benefit from features like 1% cash back on every purchase, no overdraft fees, free nationwide ATM access, and the ability to open an account with just $1. All accounts are FDIC insured through Primis Bank, the parent institution of 316 Financial. As part of the launch, 316 Financial is inviting churches, Christian schools, and faith-driven nonprofits across the country to enroll as Purpose Partners and turn everyday banking into lasting generosity. To learn more or apply to become a Purpose Partner, visit bank316.com/partners.About 316 Financial 316 Financial is a mission-driven bank that aligns faith and finances, tithing 10% of annual profits to charitable causes. A division of Primis Bank, Member FDIC, 316 Financial offers modern, tech-driven banking solutions while prioritizing generosity and service.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. Read Article Bridging Belief and Giving for Gen Z and Millennials 316 Financial We’re grateful to see our Brand Growth & Partnerships Manager, Paige Whitaker, share her heart for stewardship on the Christian Leadership Alliance website.Her article, “The Generosity Gap,” looks at how ministries and nonprofits can invite the next generation into joyful giving. Paige reminds us that Gen Z and Millennials aren’t less generous—they simply long for clarity, purpose, and impact in how their gifts are used.She outlines four practical ways leaders can walk with younger donors in discipleship, showing that generosity is more than a campaign—it’s an act of worship and part of our identity in Christ.You can read the full article here: The Generosity GapWe’re thankful to the Christian Leadership Alliance for opening the door to this conversation and for equipping leaders to cultivate faithful stewards for generations to come. Read Article Open a Checking Account, Change a Life: 316 Financial Launches Jimmie Hale Mission Challenge 316 Financial FOR IMMEDIATE RELEASESeptember 3, 2025BIRMINGHAM, AL – Banking can be more than managing money — it can be a way to serve others. With the launch of the “Jimmie Hale Mission Challenge,” 316 Financial is turning something families already need — a checking account — into an opportunity to support a Birmingham ministry that’s changing lives every day.Now through October 31, 2025, when someone opens a checking account with 316 Financial and uses promo code “JHM”, the bank will donate $10 to The Jimmie Hale Mission after the customer makes their first debit card transaction — whether online, in-store, or at an ATM. Donations will continue through the end of October, up to $10,000 total.“At 316 Financial, we believe banking should be more than just transactions — it should be a tool for good,” said Paige Whitaker, Brand Growth and Partnerships Manager at 316 Financial. “We’re honored to partner with The Jimmie Hale Mission and give our customers a simple way to make a meaningful impact just by opening a checking account. This initiative aligns with our mission to bring purpose to personal finance.”Here’s how it works:Open a 316 Financial checking account online and enter promo code “JHM” during sign-up.Make at least one debit card transaction.316 Financial donates $10 to The Jimmie Hale Mission — up to $10,000 total.All personal banking information remains private and secure.Customers can choose from two checking account options:316 Rewards Checking – Earn 1% cash back on every debit purchase316 Interest Checking – Earn a standout 3.80% Annual Percentage Yield (APY)The Jimmie Hale Mission has served the Birmingham community for decades, offering faith-centered programs that help men and women overcome homelessness, addiction, and life-controlling challenges through compassion, guidance, and accountability grounded in Christ.“We are deeply grateful for this partnership with 316 Financial,” said Perryn Carroll, Executive Director of The Jimmie Hale Mission. “The Jimmie Hale Mission Challenge not only helps fund our ongoing work, but it also reminds our community that change can start with something as simple as opening a checking account. This is compassion in action — and we’re excited to see Birmingham rally behind it.”316 Financial invites families, individuals, and local businesses to join the Jimmie Hale Mission Challenge this fall. Every new account helps fuel hope, healing, and Christ-centered transformation in Birmingham.To learn more or open your account, visit www.bank316.com/JHM About 316 Financial316 Financial is a purpose-driven division of Primis Bank that tithes 10% of profits to causes that uplift and inspire. We believe everyday banking can be a force for good—helping customers reach their goals while fueling ministries and organizations that change lives.DisclosuresBanking 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. Annual Percentage Yields (APYs) are accurate as of September 3, 2025 and may change after the account is opened. Fees may reduce earnings. Cashback is earned on eligible debit card purchases; ATM transactions do not qualify towards debit rewards. Only $1 is needed to open deposit accounts. Offer valid for new checking accounts opened online with promo code JHM between September 3 and October 31, 2025. Limit one donation per account. Donations are made directly by 316 Financial to The Jimmie Hale Mission. Customer accounts and personal information will not be shared.Media Contact:Paige Whitaker316 FinancialBrand Growth & Partnerships ManagerEmail: [email protected]Phone: 803-629-9800Website: www.bank316.com Read Article 316 Financial Joins The Jamal Bates Morning Show 316 Financial Paige Whitaker, Brand Growth & Partnerships Manager, and Markeia Johnson, Financial Stewardship Committee Head at 316 Financial, recently joined Jamal Bates and the Lovely Big O on The Jamal Bates Morning Show. Together, they share the heart behind 316 Financial—why we exist, how generosity is woven into everything we do, and what it looks like to align your finances with your faith.From tithing 10% of profits to ministries, to offering modern banking with no ATM fees, 24/7 U.S.-based customer service, and competitive accounts, Paige and Markeia open up about how 316 is more than a bank—it’s a movement to live out John 3:16 through everyday stewardship.Take a listen to the 🎧 full interview to hear the “why” behind 316 Financial and discover how your banking can become an expression of faith. Read Article 316 Featured by Christian Leadership Alliance 316 Financial We're honored to share that Paige Whitaker, our Brand Growth & Partnerships Manager, was invited to contribute to the Christian Leadership Alliance blog — a nationally recognized platform that equips Christian leaders in nonprofit ministry and business.Her article, titled “Let’s Talk About Inspiring Generosity,” explores why financial discipleship is essential and how ministry leaders can create safe, meaningful conversations about money that lead to lasting generosity.The post encourages leaders to think beyond giving campaigns and toward building a culture of confidence, clarity, and stewardship — one honest conversation at a time.You can read the full article on CLA’s website here.Thank you to Christian Leadership Alliance for inviting us into this important conversation. Read Article 316 Financial Welcomes Paige Whitaker to Lead Growth and Strategic Partnerships 316 Financial Columbia, S.C. — 316 Financial has named Paige Whitaker as its new Growth & Partnerships Manager, bringing on an experienced communicator and relationship-builder to expand the bank’s mission-driven impact.316 Financial—known as “the bank that tithes”—was founded to help people align their money with their faith. By tithing 10% of profits to charitable causes, the bank turns everyday banking into a force for good.In her new role, Whitaker will lead partnership development with churches, associations rooted in Christian values, and values-based businesses across the country. She’ll focus on building meaningful relationships, activating new channels for community engagement, and helping organizations offer banking that reflects their beliefs.Whitaker joins 316 Financial with more than 16 years of media and marketing experience, most recently at WLTX-TV in Columbia, S.C., where she led multimillion-dollar campaigns and earned repeated recognition for top performance. Her background spans client strategy, campaign development, and local outreach—making her uniquely suited to grow a brand rooted in purpose.“316 isn’t just another bank—it’s a platform for doing good,” said Whitaker. “I’m excited to help organizations turn everyday banking into something bigger, and I look forward to partnering with those who share our passion for generosity and faith.”As 316 Financial grows, Whitaker will also support media relations, brand storytelling, and grassroots initiatives that drive awareness and help more people experience banking uplifted.To learn more about partnership opportunities, visit bank316.com. 📩 Contact Paige:[email protected]About 316 Financial 316 Financial is a mission-driven bank that aligns faith and finances, tithing 10% of annual profits to charitable causes. A division of Primis Bank, Member FDIC, 316 Financial offers modern, tech-driven banking solutions while prioritizing generosity and service.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. Read Article FaithTalk Today 316 Financial Jason Williams, Director of Banking Services, and Mandi Gilbert, Director of Marketing at 316 Financial had the pleasure of sitting down on Faith Talk Today to discuss all things 316 with producer Ezra Ortiz.Together, Jason and Mandi explore how 316 Financial is reimagining banking by putting faith at the forefront of every decision, why 316 was created and what they really mean when they say that 316 Financial is the bank that tithes.Watch the video below, or visit faithtalk970.com to listen to the full conversation.<span class="fr-mk" style="display: none;"> </span> Read Article Purpose-Driven Design Gets the Spotlight 316 Financial bank316.com Named Kentico Site of the Month We built 316 Financial to be different. Purpose-driven. Faith-forward. And designed with intention at every step. That includes our website—bank316.com—which was thoughtfully crafted to reflect the heart of our mission and make it easy for customers to engage with a bank that gives back. Last month, that work was recognized in a new way: bank316.com has been named Kentico’s Site of the Month. Kentico is a global content management system trusted by enterprise brands around the world, and their Site of the Month award highlights websites that stand out for innovation, performance, and design. Being chosen is an honor—and a reminder that even our digital presence can reflect something deeper. We’re incredibly proud of this recognition, but even more proud of the team behind it. From our designers and developers to our strategists and storytellers, every person who touched this site poured in their talent and care. They helped bring 316 to life online—and ensured that our values shine through, even in the small details. At 316, we believe your bank should stand for something more. That’s why we tithe 10% of profits to causes that uplift and inspire. It’s why we aim for excellence in every experience we deliver. And it’s why moments like this matter—because they help us share our mission with even more people. Thanks to Kentico for the spotlight—and to our community for being the reason behind the work. We’re just getting started. Read Article “Why not us?” 316 Financial Joins WFMV to Talk Faith and Finances 316 Financial We had the privilege of joining Jamal Banks of WFMV to talk about 316 Financial—what inspired us, how we’re different, and why we believe your bank should reflect your values.“We realized people choose their churches, schools, and even grocery stores based on shared faith, but banks don’t really function that way,” states Ann-Stanton Gore, Chief Marketing Officer. “And we started asking—why not? Why not us?”In the interview, Ann-Stanton shares how 316 Financial was born out of a desire to bring faith and finances together in a meaningful way. From our commitment to tithing 10% of profits to the organizations that align with our values, to the practical tools we offer to help you steward your resources well, we share our goal of being a partner in your financial peace. Listen to the full interview with WFMV right here. Read Article Heard Us on the Air? That Was Markeia. 316 Financial We were honored to be featured on WOAD 1300 AM in Jackson, Mississippi—a trusted voice in urban gospel radio.Markeia Johnson, who leads our Financial Stewardship Committee at 316 Financial, shared how our bank is reimagining what it means to align faith and finances. She touched on our mission, our commitment to tithing 10% of profits to causes that uplift, and why stewardship matters now more than ever.If you missed it live, you can catch the full segment right here:🎧 Listen to the interview We’re grateful to WOAD for the opportunity—and to every listener who’s exploring how banking can be a force for good. 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Candace Cameron Bure
Candace Cameron Bure | 316 Financial We’re honored to partner with Candace Cameron Bure—an actress, author, and speaker known for her unwavering faith and commitment to family. Candace Cameron Bure + 316 Financial Grow Your Savings and Earn $250. Bank With Purpose. We’re honored to partner with Candace Cameron Bure—an actress, author, and speaker known for her unwavering faith, commitment to family, and passion for living with purpose. Her voice encourages thoughtful stewardship and generosity, values that deeply align with ours at 316 Financial. Learn How “When I learned more about 316 Financial’s heart for faith and generosity, it felt like a partnership that truly aligned with my values.” — Candace Cameron Bure, Actress, Author & Speaker How It Works 1. Open a new 316 Savings account Open your account anytime from January 20, 2026, through July 21, 2026, to qualify. Use code CANDACE when you open an account. Get Started 2. Maintain a balance of at least $5,000 in your account for 90 days We’ll add a $250 bonus to your savings once you’ve met the requirement. 3. Your bonus will be deposited after your 30 days are complete Where Values Lead the Way Faith, Family, and Finances: United Candace’s podcast is about living with kindness, class, and purpose—making choices that matter. That’s exactly what 316 Financial stands for. We help you align your money with your values, offering great rates, fee-free accounts, and FDIC protection without sacrificing rewards or service.Together, we’re building a community where faith and finances go hand in hand. If you choose your friends and activities based on values, why not your bank? Open My Account Now A Savings Account That Actually Earns 4.05% Annual Percentage Yield (APY*) No minimum balance to earn interest No monthly account fees No overdraft fees FDIC insured Easy online access 24/7 care from real people Free credit monitoring tools Open My Account Now FAQs When will I get my $250? You can open your Savings account anytime from January 20 – July 21, 2026, to qualify. Your bonus will be deposited within 30 days of maintaining a balance of $5,000 or more for 90 days, during the next statement cycle. Use code CANDACE when you open an account. Do I have to donate the $250? Nope. The $250 is yours to keep. We’re the ones who tithe 10% of profits to ministries and missions. Which account do I need to open? Open a new 316 savings account and maintain an average daily balance of $5000 or more for 90 days, and you’ll receive a $250 savings bonus. Use code CANDACE when you open an account. • Accounts opened between January 20, 2026, and July 21, 2026, qualify. • Bonus is paid after the 90-day balance requirement is met in the following statement cycle. Is my money safe with 316 Financial? Yes. 316 is a division of Primis Bank, Member FDIC. Info to Know Candace Cameron Bure is a paid promotional ambassador for 316 Financial. Deposit accounts can be opened with as little as $1. Promotional credit may be reported as interest on a 1099-INT if over $10.*APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of January 20, 2026, and may change at any time. Fees, if applicable, may reduce earnings. Open a new 316 Savings account and maintain an average daily balance of $5000 or more for 90 consecutive days, and you’ll receive a $250 savings bonus.• Accounts opened between January 20, 2026, and July 21, 2026, qualify.• Bonus paid within 30 days after the 90-day balance requirement is met in the following statement cycle.Important Notice Regarding Promotional Bonus EligibilityAt 316 Financial, we are committed to honoring all qualifying deposits as outlined in our promotional materials. If you believe you have met the requirements of this promotion but have not received your bonus by the designated date, please contact us at 833-316-3167 or email [email protected]. Be sure to include the details of your qualifying deposit so we can investigate your claim thoroughly.We will review your submission and, based on our findings, take the appropriate steps to ensure you receive any eligible rewards.We may modify or end this offer at any time, but if you opened your account while it was active, your bonus eligibility and terms will be honored. Only one promo code may be used per person. Promotional offers cannot be combined.Limit one bonus per customer. Closing and reopening an account does not qualify for an additional bonus.
Alex Marlow
Alex Marlow | 316 Financial We’re honored to partner with Alex Marlow Alex Marlow + 316 Financial Grow Your Savings and Earn $250. Bank With Conviction. At 316 Financial, we partner with voices who value independent thinking, accountability, and responsibility.Alex Marlow is a leading conservative voice who has consistently challenged institutions to operate with clarity and conviction—principles that closely align with how we believe banking should work.This partnership reflects our commitment to offering a more disciplined, transparent approach to saving and stewardship. Learn How “Where you place your money matters. 316 Financial approaches banking with conviction and transparency, which is why this partnership made sense to me.” — Alex Marlow How It Works 1. Open a new 316 Savings account Open your account anytime from February 1, 2026, through April 30, 2026, to qualify. Use code MARLOW when you open an account. Get Started 2. Maintain a balance of at least $5,000 in your account for 90 days We’ll add a $250 bonus to your savings once you’ve met the requirement. 3. Your bonus will be deposited after your 30 days are complete A Savings Account That Actually Earns 4.05% Annual Percentage Yield (APY*) No minimum balance to earn interest No monthly account fees No overdraft fees FDIC insured Easy online access 24/7 care from real people Free credit monitoring tools Open My Account Now A More Responsible Way to Bank At 316 Financial, we commit 10% of our profits to support churches, ministries, and organizations doing meaningful work in communities. It’s a disciplined, transparent approach to banking—one that reflects our belief that financial success should also create positive impact.✔️ Values-aligned banking✔️ No monthly account fees✔️ Transparent practices✔️ FDIC insured Open My Account Now FAQs When will I get my $250? You can open your Savings account anytime from February 1, 2026 – April 30, 2026, to qualify. Your bonus will be deposited within 30 days of maintaining a balance of $5,000 or more for 90 days, during the next statement cycle. Use code MARLOW when you open an account. Do I have to donate the $250? Nope. The $250 is yours to keep. We’re the ones who give 10% of profits to ministries and missions. Which account do I need to open? Open a new 316 savings account and maintain an average daily balance of $5000 or more for 90 days, and you’ll receive a $250 savings bonus. Use code MARLOW when you open an account. • Accounts opened between February 1 and April 30, 2026 qualify. • Bonus is paid after the 90-day balance requirement is met in the following statement cycle. Is my money safe with 316 Financial? Yes. 316 is a division of Primis Bank, Member FDIC. Info to Know Alex Marlow is a paid promotional ambassador for 316 Financial. Deposit accounts can be opened with as little as $1. Promotional credit may be reported as interest on a 1099-INT if over $10.*APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of February 1, 2026, and may change at any time. Fees, if applicable, may reduce earnings. Open a new 316 Savings account and maintain an average daily balance of $5000 or more for 90 consecutive days, and you’ll receive a $250 savings bonus.• Accounts opened between February 1, 2026, and April 30, 2026, qualify.• Bonus paid within 30 days after the 90-day balance requirement is met in the following statement cycle.Important Notice Regarding Promotional Bonus EligibilityAt 316 Financial, we are committed to honoring all qualifying deposits as outlined in our promotional materials. If you believe you have met the requirements of this promotion but have not received your bonus by the designated date, please contact us at 833-316-3167 or email [email protected]. Be sure to include the details of your qualifying deposit so we can investigate your claim thoroughly.We will review your submission and, based on our findings, take the appropriate steps to ensure you receive any eligible rewards.We may modify or end this offer at any time, but if you opened your account while it was active, your bonus eligibility and terms will be honored. Only one promo code may be used per person. Promotional offers cannot be combined.Limit one bonus per customer. Closing and reopening an account does not qualify for an additional bonus.
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