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Search Results Query search button Home 316 Financial: Banking Uplifted Discover a better way to bank. 316 Financial delivers tech-forward technology paired with conservative (or traditional) Christian values. 316 FINANCIAL IS Banking Uplifted Rooted in Christian values, we’re offering a better way to bank—soon. Join the early access list to be the first to open an account or learn more about banking with a purpose. Early Access 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—coming soon. 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 WORTH THE WAIT We’re Building Something Big We’re putting the finishing touches on a banking experience designed with you in mind—one that’s rooted in values and built for impact. Great things take time, and we’re making sure everything is just right before we launch. Be among the first to experience 316 Financial by joining our early access list today. Get Early Access 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 March 6, 2025, and may change at any time. Fees, if applicable, may reduce earnings. FAQs FAQs Have Questions?FAQs Frequently Asked Questions Am I required to donate money if I open an account with 316 Financial? No, you’re not required to donate—316 Financial takes care of that for you. We tithe 10% of our profits to organizations doing meaningful work, so your everyday banking automatically contributes to uplifting communities. Can I open an account now? We’re putting the finishing touches on an experience built around your values. Join our early access list to be among the first to bank with purpose. How did 316 Financial get its name? Our name is inspired by John 3:16, a verse that reflects love, hope, and generosity—principles we believe belong at the heart of banking. How does 316 Financial choose which organizations to support? At 316 Financial, we’re committed to giving with purpose. Our Financial Stewardship Committee meets quarterly to guide how donations are made, ensuring that every dollar goes to causes that reflect His teachings and create lasting impact. We’re laying the groundwork now and will share more details soon—but rest assured, our commitment to giving is thoughtful and principled. Is 316 Financial a bank? 316 Financial is a division of Primis Bank, Member FDIC. That means all of our banking services and deposit accounts are provided by Primis Bank, giving you access to the same trusted security and protections you’d expect from any FDIC-insured financial institution. Is my money safe with 316 Financial? Yes, your money is safe. As a division of Primis Bank, 316 Financial is a Member FDIC, which means your eligible deposits are insured up to $250,000 per depositor, per ownership category. FDIC insurance is automatically applied to your accounts at no cost to you. Plus, our banking platform is protected by advanced security measures to keep your information safe. Will I be able to talk to a real person if I need help? Yes! Our US-based customer care team is available 24/7, and you’ll always speak with real people—no outsourcing, no robots—just dedicated support whenever you need it. Click here to get in touch. Who We Are Personal Privacy & Legal Test Section Page Meta Title Description Articles Articles Blogs Exploring Our Bank’s Services: Articles & Insights 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? 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. That’s it – easy as 1-2-3. 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 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 Understanding FDIC Coverage: What It Means for Your Money 316 Financial 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 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 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 Our Tithing Commitment Our Tithing Commitment VALUES-BASED GIVING Support uplifting causes with every transaction. OUR TITHING COMMITMENT We donate 10% of our profits to causes that reflect His teachings. How Does it WorkYour everyday banking makes a lasting impact. Use Your Account as Usual Enjoy all the features and benefits you expect—no compromises. Use your account just like any other, whether it’s making everyday purchases, saving for the future, or managing your finances. We Tithe for You We set aside 10% of our profits to support nonprofits and organizations that uplift communities and spread hope. Your banking helps fuel meaningful change without any extra effort on your part. Giving That Keeps Going This isn’t a one-time thing. Every year, we donate 10% of our profits to continue supporting organizations that align with our values—so your impact grows right along with your savings. HOW WE DECIDE Guided by Purpose, Led with Integrity Our Financial Stewardship Committee meets quarterly to guide how donations are made, ensuring every dollar makes a meaningful impact. We're laying the groundwork now and will share more details soon. Rest assured, our commitment to giving is backed by a thoughtful and principled approach. Learn More Play Video Profits with a Purpose THE BANK THAT TITHES Profits with a Purpose 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. Because at 316 Financial, we believe your money should work for you and for a greater good. Checking Rewards Checking 316 Rewards Checking Rewards meet Purpose No monthly fees. Real rewards. Lasting impact. Join the Early Access List No account fees 1% cash back on debit purchases Early direct deposit Free ATM access, nationwide. We refund fees at the end of each statement cycle. Free overdraft protection FDIC-insured 24/7 care from real people Free credit monitoring tools Free starter pack of 316 checks Free cashier’s checks Free & Refunded Wires Advanced Fraud Protection Join Our Early Access List WHY 316 FINANCIAL? We’re a bank with a greater purpose. You choose your church, your charities, your friends—even your radio station—based on your beliefs and values. Why should your bank be any different? At 316 Financial, we tithe 10% of our profits to causes that uplift communities and create lasting impact, all while delivering the rewards and service you deserve. We’re not like other banks—and that’s on purpose. Our Purpose FAQs BUILT FOR YOUR PROTECTION Security & Peace of Mind With advanced fraud prevention and free credit monitoring tools, you’re protected by cutting-edge systems that keep your money and personal information safe—so you can bank with confidence. A Perfect Pair Grow More with Savings Pair your 316 Rewards Checking with a high-yield savings account that earns an impressive 4.05% annual percentage yield* (APY)—helping you grow your money while keeping everything connected in one easy place. Learn More 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 will be refunded to your account the business day your statement cycle ends.RewardsRewards apply to all debit card purchases, but do not include ATM transactions. FeesWe don’t charge fees for account maintenance, overdrafts, or stop payments—no surprises, just honest banking. While we aim to be fee-free, some services, like remote online notary, may have a cost. See our Fee Guide for more information. Contact Us Contact Us Faithfully Here, 24/7Whether you need answers, assistance, or just some guidance—our team is ready to help anytime, anywhere. First name Last name Email Subject Message Sharing your number here does not opt you into marketing messages. A representative will only use it to return your call. Other Ways to Get in Touch Phone: 833.316.3167Email: [email protected]316 Financial PO Box 2075, Ashland VA 23005 1 2 3 next
Privacy Policy
Privacy Policy Your Privacy Matters At 316 Financial, your trust is our priority. As a division of Primis Bank, Member FDIC, we are committed to protecting your personal information and being transparent about how it’s used. Our privacy practices follow those of Primis Bank, ensuring the same level of security and protection for your data.Below, you’ll find our full privacy policy, outlining how we collect, use, and safeguard your information. If you have any questions, we’re always here to help.Click here to read our Privacy Policy PDF.WhyFinancial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.WhatThe types of personal information we collect and share depend on the product or service you have with us.This information can include:Social Security numberAccount balancesTransaction historyCredit historyAssetsEmployment informationHowAll financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Primis chooses to share; and whether you can limit this sharing.Reasons we share your personal informationDoes Primis Bank share?Can you limit sharing?For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYesNoFor our marketing purposes – to offer our products and services to youYesNoFor joint marketing with other financial companiesYesNoFor our affiliates everyday business purposes – information about your transactions and experiencesYesNoFor our affiliates everyday business purposes – information about your creditworthinessYesYesFor our affiliates to market to youYesYesFor non-affiliates to market to youYesYesTo limit our sharing:Call Toll-free 833-477-4647 for 24/7 Customer Service.Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.Questions? Call toll-free 1-833-4PRIMISWho we areWho is providing this notice?Primis means the following institutions: Primis Bank, Primis Mortgage Company, and divisions of Primis Bank that do not use the corporate name Primis.What we doHow does Primis Bank protect my personal information?To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.How does Primis Bank collect my personal information?We collect your personal information, for example, when you:Open an accountDeposit moneyApply for a loanUse your credit or debit cardGive us your contact informationWe also collect your personal information from others, such as credit bureaus, affiliates, or other companies.Why can’t I limit all sharing?Federal law gives you the right to limit onlysharing for affiliates’ everyday business purposes – information about your creditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to youState laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.What happens when I limit sharing for an account I hold jointly with someone else?Your choices will apply to everyone on your account.DefinitionsAffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.Our affiliates include companies with a common corporate identity of the Primis name such as Primis Bank, Primis Mortgage Company, and Primis Financial Corp.Non-affiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include insurance companies and co-branded partners.Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.Our joint marketing partners include credit card companies.Other important informationFor Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information withnonaffiliates either for them to market to you or for joint marketing – without your authorization.For California Customers. We will not share personal information with nonaffiliates either for them to market to youor for joint marketing – without your authorization. We will also limit our sharing of personal information about youwith our affiliates to comply with all California privacy laws that apply to us.For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit orshare relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.For Vermont Customers.We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.Additional information concerning our privacy policies can be obtained by calling 1-833-4PRIMIS.
Purpose
Purpose OUR PURPOSE We exist to harness the financial power of our customers to advance His calling and uplift the world. OUR MISSION To be an exceptional bank guided by purpose, strengthening communities by tithing to support causes that spread messages of hope and faith. BANKING WITH PURPOSE We’re not like other banks—and that’s on purpose. We’re not guided by profits alone. We’re guided by our purpose. It’s why we’re here. We exist to harness the financial power of our customers to advance His calling and uplift the world. FINANCIAL STEWARDSHIP OUR VALUES HOPE We share a message of optimism and possibility, inspiring others to see a brighter future through faith, community, and meaningful action. QUIET LEADERSHIP We take the high road with humility and integrity in our actions, following the models of servant-hearted leadership found in scripture. GENEROSITY We follow in His footsteps, using our resources to give back in ways that create lasting impact, shaping lives today and for generations to come. GRATITUDE We hold deep appreciation for the trust our customers place in us and for the relationships we’ve built. We don’t take these blessings — or the gifts God has given us — lightly. LOVE We are called to love our neighbors as ourselves, creating a community that serves others with openness and compassion. FAQs Am I required to donate money if I open an account with 316 Financial? No, you’re not required to donate—316 Financial takes care of that for you. We tithe 10% of our profits to organizations doing meaningful work, so your everyday banking automatically contributes to uplifting communities. Can I open an account now? We’re putting the finishing touches on an experience built around your values. Join our early access list to be among the first to bank with purpose. How did 316 Financial get its name? Our name is inspired by John 3:16, a verse that reflects love, hope, and generosity—principles we believe belong at the heart of banking. How does 316 Financial choose which organizations to support? At 316 Financial, we’re committed to giving with purpose. Our Financial Stewardship Committee meets quarterly to guide how donations are made, ensuring that every dollar goes to causes that reflect His teachings and create lasting impact. We’re laying the groundwork now and will share more details soon—but rest assured, our commitment to giving is thoughtful and principled. Is 316 Financial a bank? 316 Financial is a division of Primis Bank, Member FDIC. That means all of our banking services and deposit accounts are provided by Primis Bank, giving you access to the same trusted security and protections you’d expect from any FDIC-insured financial institution. Is my money safe with 316 Financial? Yes, your money is safe. As a division of Primis Bank, 316 Financial is a Member FDIC, which means your eligible deposits are insured up to $250,000 per depositor, per ownership category. FDIC insurance is automatically applied to your accounts at no cost to you. Plus, our banking platform is protected by advanced security measures to keep your information safe. Will I be able to talk to a real person if I need help? Yes! Our US-based customer care team is available 24/7, and you’ll always speak with real people—no outsourcing, no robots—just dedicated support whenever you need it. Click here to get in touch.
Getting Started
Getting Started GETTING STARTED WELCOME TO BANKING UPLIFTED We’re glad you’re here. Let’s get you set up and ready to make the most of your new account.Don't have an account yet? Open an Account YOUR ROUTING NUMBER: 051409744 You’ll need this to set up direct deposit, pay bills automatically, transfer money between accounts, and link your 316 Financial account to other banks or payment apps. Save it for quick access when you need it. Fund Your Account Move money into your account by transferring from another bank or depositing a check through our mobile app. The sooner you fund it, the sooner you can start banking uplifted. You can also click here to learn about how to get reimbursed for wire fees. Activate Your Debit Card If you requested a debit card, it’s on the way. When it arrives, call the number on the sticker to activate your card and start using it right away. Set Up Direct Deposit Make your life easier by setting up direct deposit. Read more about getting started and download our direct deposit form. Get Started Frequently Asked Questions View All FAQs Can I add a co-owner to my account? At this time, adding a co-owner is also temporarily unavailable within online banking. We expect to restore this feature shortly and will notify you as soon as it becomes available. In the meantime, please contact a banker at 833.316.3167 or email us to add a co-owner to an existing account. Can I add beneficiaries to my account? Currently, adding beneficiaries within digital banking is temporarily unavailable. However, this can still be done manually. To add a beneficiary, please contact a banker by calling our support team at 833.316.3167 or email us to get started. Do I receive complimentary checks? Yes! Your first pack of 316 Financial checks is on the house, and available upon request. Give us a call at 833.316.3167 or email us to order. How do I find my interest rate in online or mobile banking? Log in to your mobile or online banking and select the account you’d like to check. Click on the Account Info button (located next to the History button). Scroll down to see your interest rate and APY. What is my routing number? 051409744
Limits
Limits Your 316 Accounts Move Money Your Way Seamless transfers, transparent limits. We make moving money simple and seamless. Whether you're sending payments, withdrawing cash, or funding your account, we've got you covered with transparent limits and no hidden fees. P2P & Bill Pay With our digital banking tools, you can send money through Bill Pay and Peer-to-Peer (P2P) services, while also receiving funds through direct deposits and other P2P platforms. Consumer Per Transaction Limit Daily Limit Weekly Limit Monthly Limit P2P New $500 $500 $3,500 $10,000 P2P Tenured $2,500 $10,000 $25,000 $50,000 Bill Pay New $3,500 $5,000 $15,000 $25,000 Bill Pay Tenured $10,000 $25,000 $50,000 $100,000 ATM Transactions You can access cash from any ATM nationwide, with fees reimbursed at the end of each statement cycle. For security, ATM withdrawals are limited to $550 per day. Worried you can’t make deposits at the ATM? We’ve got you covered. Just use your phone’s camera and the 316 Financial app. All 316 customers can use our mobile check deposit feature to deposit up to $25,000 per day. ACH Transfers Moving money between 316 Financial and other banks is easy with ACH transfers. Daily Limit: $18,000 (incoming and outgoing)Monthly Limit: $100,000 (incoming and outgoing)Cost: Free for all incoming and outgoing transfersIf you need to transfer money outside of these customer limits learn how to make a wire transfer (we’ll even refund your fees). Initial Funding Limits Get started with your new account easily. Here’s what you need to know about initial deposits: 316 Rewards Checking: $6,000316 Interest Checking: $30,000316 Savings: $100,000Wire Transfers – We’ve Got You Covered We don’t charge fees for incoming wires, and we’ll even refund fees your other bank may charge—plus, we’ll add $10 for your effort. Just contact our support team with documentation to claim your refund. Send an email to get started.Need more details?Our U.S.-based customer care team is available 24/7 to assist with any questions. Click here to contact us.
Disclosures
Disclosures Things You Should Know Disclosures At 316 Financial, we’re all about transparency and we want you to have easy access to our policies and guidelines that impact your finances. We’re sharing information here, but also remember to check within your online banking and mobile app for the most up-to-date information specific to your accounts. Interest Checking Download PDF Rewards Checking Download PDF Savings Download PDF E-sign Disclosure Download PDF Account Terms Check out the truth in savings specific to each product posted to our website.316 Truth in Savings Disclosures316 Interest Checking316 Rewards Checking316 Savings
Checking
Rewards Checking 316 Rewards Checking Rewards meet Purpose No monthly fees. Real rewards. Lasting impact. Open an Account No account fees 1% cash back on debit purchases Early direct deposit Free ATM access, nationwide. We refund fees at the end of each statement cycle. Free overdraft protection FDIC-insured 24/7 care from real people Free credit monitoring tools Free starter pack of 316 checks Free cashier’s checks Free & Refunded Wires Advanced Fraud Protection Open an Account WHY 316 FINANCIAL? We’re a bank with a greater purpose. You choose your church, your charities, your friends—even your radio station—based on your beliefs and values. Why should your bank be any different? At 316 Financial, we tithe 10% of our profits to causes that uplift communities and create lasting impact, all while delivering the rewards and service you deserve. We’re not like other banks—and that’s on purpose. Our Purpose FAQs BUILT FOR YOUR PROTECTION Security & Peace of Mind With advanced fraud prevention and free credit monitoring tools, you’re protected by cutting-edge systems that keep your money and personal information safe—so you can bank with confidence. A Perfect Pair Grow More with Savings Pair your 316 Rewards Checking with a high-yield savings account that earns an impressive 4.05% annual percentage yield* (APY)—helping you grow your money while keeping everything connected in one easy place. Learn More 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 will be refunded to your account the business day your statement cycle ends.RewardsRewards apply to all debit card purchases, but do not include ATM transactions. FeesWe don’t charge fees for account maintenance, overdrafts, or stop payments—no surprises, just honest banking. While we aim to be fee-free, some services, like remote online notary, may have a cost. See our Fee Guide for more information.
Checking
Interest Checking 316 INTEREST CHECKING Big APY. Bigger Impact. With 3.80% annual percentage yield (APY*) and no monthly fees, it’s a better way to bank. Open An Account Earn 3.80% APY No account fees No minimum balance Early direct deposit Free ATM access, nationwide. We refund fees at the end of each statement cycle Free overdraft protection FDIC-insured 24/7 care from real people Free credit monitoring tools Free starter pack of 316 checks Free cashier’s checks Free & Refunded Wires Open An Account WHY WE GIVE Every Dollar Makes a Difference Giving isn’t always easy, but at 316 Financial, it’s automatic. We donate 10% of our profits to organizations that uplift communities and spread hope and love. This belief is what inspired us to start—and even shaped our name. Learn more about our story and how your banking can make a lasting impact. Our Stories FAQ PEACE OF MIND FDIC Protection. Advanced Security. You can bank uplifted—without compromising on security. With full FDIC coverage and advanced fraud protection, your money and personal information are always safe, giving you the confidence to bank with purpose. A PERFECT PAIR Maximize your earnings with 316 Savings. Pair your 316 Interest Checking with a high-yield savings account that earns an impressive 4.05% annual percentage yield* (APY)—helping you grow your money while keeping everything connected in one easy place. Learn More 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 will be refunded to your account the business day your statement cycle ends.FeesWe don’t charge fees for account maintenance, overdrafts, or stop payments—no surprises, just honest banking. While we aim to be fee-free, some services, like remote online notary, may have a cost. See our Fee Guide for more information.Interest and RatesAPY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of March 6, 2025, and may change at any time. Fees, if applicable, may reduce earnings.
Savings
Interest Savings 316 SAVINGS EARN 4.05% APY WHILE YOU GIVE Earn 4.05% annual percentage yield (APY*) while your account helps support causes that uplift. No monthly fees. 24/7 support. Open an Account Earn 4.05% APY No account fees No minimum balance Free overdraft protection FDIC-insured 24/7 care from real people Free credit monitoring tools Open an Account WHY 316 FINANCIAL? We’re a bank with a greater purpose. You choose your church, your charities, your friends—even your radio station—based on your beliefs and values. Why should your bank be any different? At 316 Financial, we tithe 10% of our profits to causes that uplift communities and create lasting impact, all while delivering the rewards and service you deserve. We’re not like other banks—and that’s on purpose. Our Purpose FAQs FREE WIRE REFUNDS We cover the cost—and then some. We don’t charge you for incoming wires, and we’ll even refund fees your originating bank might charge. Plus, we’ll add an extra $10 for your effort. Simply submit a request with documentation to our team, and we’ll take care of the rest—because banking should be hassle-free. THE PERFECT MATCH Interest Checking + Savings Pair your 316 Savings with 316 Interest Checking for a complete banking experience that grows your money and keeps it simple—no fees, no hassle, just seamless banking with purpose. Learn More 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.FeesWe don’t charge fees for account maintenance, overdrafts, or stop payments—no surprises, just honest banking. While we aim to be fee-free, some services, like remote online notary, may have a cost. See our Fee Guide for more information.Interest and RatesAPY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of March 6, 2025, and may change at any time. Fees, if applicable, may reduce earnings.
Our Beginning: How 316 Financial Is Changing the Way You Bank
316 Financial Launch How 316 Financial Is Changing the Way You Bank Our Beginning: How 316 Financial Is Changing the Way You Bank Author: Abby Bender Published: Monday, March 17, 2025 FOR IMMEDIATE RELEASE March 17, 2025Media Contact: Abby Bender [email protected]Our Beginning: How 316 Financial Is Changing the Way You BankRICHMOND, Va. – 316 Financial proudly announces its official launch, offering customers across the United States a new way to align their faith and finances. A division of Primis Bank, Member FDIC, 316 Financial sets itself apart by tithing 10% of annual profits to charitable causes, allowing customers to bank with a company that shares their values.“We offer people the best of both worlds: a modern, tech-driven bank with all the bells and whistles that also gives back to causes that uplift and inspire. We call it banking uplifted.” – Jason Williams, Director of Digital Banking and Servicing. 316 Financial delivers a distinctly different experience than typical banks—one built on the belief that faith and finance can work together for good. At the heart of this new venture is its commitment to tithing 10% of profits to charitable causes, a principle guided by the 316 Financial Stewardship Board. This board ensures these contributions create meaningful impact, supporting organizations that uplift communities and spread messages of hope.Rooted in the values that reflect His teachings, 316 Financial is more than a bank—it’s a mission-driven financial partner, empowering customers to make a difference simply by choosing where they bank.Banking That Rewards and Gives Back316 Financial customers benefit from a suite of modern banking features, including:Rewards Checking with 1% cash back on every purchaseInterest Checking and Savings with competitive ratesFree Nationwide ATM access refunding fees each month if assessed24/7 customer care with real people who understand their customers’ values“We take pride in our ability to treat customers as valued members of our community no matter where they live in the United States. A part of what that means is that customers will always get a real person on the phone, no matter the time of day. Our care team understands where our customers are coming from because they often live in the same communities and share the same values.” – Joel Brusherd, Customer Care Center Supervisor.Looking Ahead: More Products, More ImpactAt launch, 316 Financial offers consumer banking products, but plans are already in motion to expand services. Upcoming offerings will include:Business accountsLending solutionsTailored financial products for churches and associationsBy combining cutting-edge banking technology with a mission-driven approach, 316 Financial is redefining what it means to bank with purpose.For more information, visit bank316.com or contact Abby Bender at [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.