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316 Financial, a division of Primis Bank, deposit products: FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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316 Rewards Checking Account

Rewards Checking Account: Earn 1.00% Cash Back on Purchases Open a 316 Rewards Checking account to enjoy no monthly fees, 1.00% cash back on your everyday debit purchases, free ATM access, and real rewards. 316 Rewards Checking Account Rewards meet Purpose No monthly fees. Real rewards. Lasting impact. Open an Account No account fees 1.00% cash back on your everyday debit card purchases Early direct deposit Free ATM access, nationwide. We refund fees at the end of each statement cycle. No overdraft fees 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 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.

Privacy Notifications

Privacy | 316 Financial 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 our Consumer Privacy Notice and our Online and Mobile Banking Services Privacy Notice, outlining how we collect, use, and safeguard your information. If you have any questions, we’re always here to help.View PDF | View Consumer Privacy Notice View PDF | View Online and Mobile Banking Services Privacy Policy

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. Open A Savings Account. Join Candace Live. Meet Candace Cameron Bure Live — In the City of Your ChoiceOpen a new 316 Financial Savings Account and receive an exclusive VIP Experience package valued at over $700, including:✅ Two VIP Experience Tickets✅ Premium Seating✅ Exclusive Pre-Show Q&A✅ VIP After Party Access✅ Personal Photo with Candace✅ Signed Copy of Wild Hope✅ Commemorative VIP Lanyard✅ $200 Expedia Gift Card✅ Exclusive 316 Financial Swag Bag Claim Your VIP Experience How It Works 1. Open a new 316 Savings account Open your account by August 21, 2026, using promo code "VIP". Get Started 2. Deposit at least $5,000 within 10 days Fund your new savings account with $5,000 or more within 10 calendar days of account opening. The first 15 customers to complete these requirements will qualify for the promotion. 3. Receive your VIP Experience The first 15 people to complete these requirements will receive: VIP Experience Details An Evening With Candace Cameron Bure VIP Experience Once your qualifying deposit has been verified you’ll receive:VIP tickets for the tour city of your choice*$200 Expedia Gift CardExclusive 316 Financial Swag BagOur team will contact you with details regarding ticket selection and prize fulfillment. 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 Faith, Family & Finances Candace's podcast encourages people to live intentionally and make decisions that reflect their values.At 316 Financial, we believe your banking should do the same.That's why we offer competitive savings rates while tithing 10% of our profits to faith-based ministries and nonprofit organizations making a meaningful impact around the world.When you bank with 316 Financial, your money can work harder for you—and help support organizations that are changing lives. Open My Account Now FAQs Who qualifies for this promotion? The promotion is available to the first 15 new customers who:Open a new 316 Savings account using promo code VIPFund the account with at least $5,000 within 10 days of account openingMeet all promotional eligibility requirements. Which podcast event can I attend? Qualified winners may select from eligible Candace Cameron Bure Live Podcast events taking place in September, subject to availability. When will I receive my tickets? After your qualifying deposit has been verified, a member of our team will contact you regarding event selection and fulfillment of your tickets, gift card, and swag bag. Is my money safe? Yes. Deposits are FDIC insured through Primis Bank, Member FDIC, up to applicable limits. Info to Know Candace Cameron Bure is a paid promotional ambassador for 316 Financial.Offer available only to new customers opening a new 316 Savings account with promotional code VIP between the promotion launch date of July 28, 2026, and August 21, 2026, while supplies last.Limited to the first 15 qualifying accounts that satisfy all promotional requirements.Customer must deposit at least $5,000 within 10 calendar days of account opening.The qualifying deposit must remain in the account until eligibility has been verified and prizes have been awarded.Meet Candace Cameron Bure Live — In the City of Your ChoiceOpen a new 316 Financial Savings Account and receive an exclusive VIP Experience package valued at over $700, including:Two VIP Experience TicketsPremium SeatingExclusive Pre-Show Q&AVIP After Party AccessPersonal Photo with CandaceSigned Copy of Wild HopeCommemorative VIP Lanyard$200 Expedia Gift CardExclusive 316 Financial Swag BagApproximate retail value exceeds $700.Prizes are non-transferable, not redeemable for cash, and substitutions may be made if necessary due to event availability or circumstances beyond 316 Financial's control.Customers are responsible for all travel arrangements and any expenses exceeding the value of the provided Expedia Gift Card.Promotional prizes may be reportable for tax purposes. Winners may receive applicable tax reporting forms, including Form 1099, if required by law. Please consult your tax advisor regarding your individual tax situation.APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of July 28, 2026, and are subject to change without notice. Fees, if applicable, may reduce earnings.Offer available to new customers only. Customer must not have an existing or prior account with Primis Bank or any of its divisions, including 316 Financial.Limit one promotional offer per customer.Account must remain open and in good standing to receive promotional prizes.316 Financial reserves the right to modify or terminate this promotion at any time, to verify eligibility, and to withhold or revoke promotional prizes in cases of fraud, abuse, or failure to satisfy the promotion requirements. Customers who qualified while the offer was active will remain eligible under the terms in effect at the time their account was opened.

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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. Having Trouble Resuming an Application?Some customers may experience an issue when trying to resume a previously started application. While we work to resolve it, we recommend completing your application in one session when possible. We apologize for the inconvenience and appreciate your patience. 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. Our Tithing Commitment Now Available 316 Business Banking Is Here 316 Business Interest Checking Designed for higher balances—earn more interest without added fees. 316 Business Rewards Checking Earn rewards on everyday business purchases. 316 Business Savings Save with purpose—earn interest, enjoy no fees, and access smart financial tools. 316 Ministry Checking Built for churches, ministries, and nonprofits, 316 Ministry Checking aligns your finances with your mission—so every dollar can go further. WHO WE ARE Not Business as Usual It’s time to align your faith and your finances. You choose your church, your charities, your friends, and even your radio station, based on your beliefs—so why not your bank? Unlike traditional banks driven by corporate interests, we’re guided by faith, purpose, and values that shape everything we do. Our Values A Mission-Driven Bank Banking With Purpose Tithing and charitable giving have declined for decades—even as the need has never been greater. So, we asked: what if a bank could help change that? That’s why 316 Financial tithes 10% of our profits to support causes that spread hope, faith, and reflect His teachings. Be part of something bigger. Open your account today and turn everyday banking into a force for good. Get Started Our Tithing Commitment 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. Supporting Ministry Leaders Conversations with church and ministry leaders at the Christian Stewardship Network Forum, exploring how we can better serve those helping others steward what God has entrusted to them. 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 Rates*APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of December 1, 2025, and may change at any time. Fees, if applicable, may reduce earnings.