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Spring Cleaning for Your Finances: A Values-Based Approach
Spring Cleaning for Your Finances: A Values-Based Approach Spring Cleaning for Your Finances: A Values-Based Approach Author: 316 Financial Published: Friday, April 11, 2025 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.
316 Financial Featured on WDJC’s Joyful Noise with Russell P. and Jessica
316 Financial Featured on WDJC’s Joyful Noise 316 Financial Featured on WDJC’s Joyful Noise 316 Financial Featured on WDJC’s Joyful Noise with Russell P. and Jessica Author: 316 Financial Published: Wednesday, March 26, 2025 March 2025 | Birmingham, Alabama We were honored to be featured on WDJC-FM’s Joyful Noise morning show with Russell P. and Jessica — a meaningful opportunity to introduce 316 Financial to the Birmingham community and share how we’re doing banking differently. Mandi Gilbert, Head of Marketing and Communications, and Jason Williams, Director of Banking Services, joined the show to talk about the vision behind 316 Financial: a bank created to connect faith and finance in a tangible, everyday way. “We built 316 Financial to serve people with modern banking tools and a mission that reflects our values,” says Jason. “That’s really the core of what 316 Financial is.” A division of Primis Bank, 316 Financial offers all the tools of modern banking — including a robust mobile app, FDIC insurance, and 24/7 support — but with a mission rooted in something deeper. The bank tithes 10% of profits to ministries and Christian organizations making a difference in the world. “We don’t think that faith and finance have to sit in two separate boxes,” says Mandi. “[Now, people] can do their banking in a way that reflects their values … and connects with a bigger picture.” We’re deeply grateful to Russell and Jessica for the invitation and conversation — and to the WDJC listeners who are already joining the 316 Financial family! 🎧 Listen to Highlights from the Interview:▶️ Clip 1: What Makes 316 Financial Different Hear about the mission behind 316 Financial and how we’re bringing faith into every financial decision.▶️ Clip 2: How to Get Started Why your savings account can be the perfect first step toward more meaningful money management.▶️ Clip 3:Guided by Values See how faith, peace of mind, hope, and generosity show up in every part of the 316 experience. Want to learn more or open an account?👉 Click here to get started.📞 Or call us anytime at 833.316.3167 — real people, ready to help.
Phishing, Smishing, Vishing: Don’t Take the Bait
Phishing Scams Phishing, Smishing, Vishing: Don’t Take the Bait Author: 316 Financial Published: Thursday, March 27, 2025 Scammers are getting creative, but their goal is always the same—to steal your personal information. Phishing, smishing, and vishing are different ways they try to trick you into handing it over. Here’s what you need to know to stay ahead. How These Scams Work Phishing (Email Scams): You get an email that looks legit—maybe from your bank, a friend or even your church. It asks you to click a link, update your password, or confirm your account details. The link leads to a fake site designed to steal your info.Smishing (Text Message Scams): A text pops up claiming you’ve won a prize, your account has been compromised, or you need to verify a charge. The link? A trap. Clicking it could install malware or steal your login credentials.Vishing (Phone Call Scams): A caller, often pretending to be from your bank, tech support, or even the IRS, pressures you to provide sensitive information over the phone. They may spoof a real phone number to seem credible.Red Flags to Watch For Urgency and fear tactics. “Act now, or your account will be locked!” Scammers want you to panic.Requests for personal info. No real company will ask for your passwords, PINs, or full Social Security number over email, text, or phone.Suspicious links. Hover over a link before clicking—if it looks strange or doesn’t match the sender, don’t trust it.Unexpected attachments. A random invoice, receipt, or tracking number? Don’t open it. It could be malware.Caller ID tricks. Just because it looks like your bank’s number doesn’t mean it is. Always hang up and call back using a trusted number.If you get a message, email, or call that feels off—stop, think, and verify. When in doubt, contact us directly at 833.316.3167. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
Scammers Are Posing as the IRS—Here’s How to Stay Safe
IRS Scams Scammers Are Posing as the IRS—Here’s How to Stay Safe Author: 316 Financial Published: Friday, March 28, 2025 Scammers are using fake IRS texts to steal personal information, making it seem like you need to act fast to claim your payment. But the truth is simple: ✅ If you qualify, the IRS will send your payment automatically.✅ You’ll get it by direct deposit or check—no action required.✅ The IRS will never text you asking for personal or financial details. How to Spot a Scam: 🚨 The IRS doesn’t send texts about payments or ask for sensitive information.🚨 Official government websites end in “.gov”—scammers often use “.com” to look legit.🚨 If it feels off, trust your instincts. What to Do If You Get a Scam Text: 📌 Ignore it. Don’t engage or reply.📌 Don’t click any links. It could steal your personal data.📌 Report it. Forward scam texts to The U.S. Treasury Inspector General Hotline. At 316 Financial, we believe in protecting what matters most—including your financial security. Stay aware, stay safe, and always double-check before you trust. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
316 Financial Featured on Talks for Christ
316 Financial Featured on Talks for Christ 316 Financial Featured on Talks for Christ 316 Financial Featured on Talks for Christ Author: 316 Financial Published: Wednesday, March 26, 2025 We recently had the privilege of joining Pastor Bruce Oliver on Talks for Christ, a podcast that highlights faith-driven ministries and organizations. In this conversation, we shared the heart behind 316 Financial and shared more about how we tithe 10% of our profits causes that reflect His teachings. “Banking doesn’t have to be just transactional,” said team member, Mandi Gilbert, “It can be intentional.” We discussed what it means to connect faith and finance, how everyday banking can become an act of generosity, and why tithing is central to our mission. ▶️ Click here to listen to the full episode Or visit TalksForChrist.com to explore more.
Understanding FDIC Coverage: What It Means for Your Money
FDIC Coverage Understanding FDIC Coverage: What It Means for Your Money Author: 316 Financial Published: Monday, February 10, 2025 At 316 Financial, trust and security are non-negotiable. Banking services are provided by 316 Financial, a division of Primis Bank, Member FDIC—ensuring your eligible deposits are protected up to FDIC limits. But what exactly does FDIC insurance cover, and how does it work for you?What is FDIC Coverage?FDIC insurance is a government-backed protection that ensures your money is safe if an FDIC-insured bank ever fails. It gives you peace of mind by safeguarding your deposits up to a specific limit, no matter what happens in the financial world.Key Benefits of FDIC Insurance:Covers up to $250,000 per depositor, per ownership category, per FDIC-insured bank Whether you have one or more deposit accounts, your funds are protected up to the insured limit.Protects multiple types of accounts FDIC coverage applies to checking accounts, savings accounts, money market deposit accounts, and certificates of deposit.Guaranteed by the U.S. government Your deposit accounts are backed by the full faith and credit of the U.S. government.No cost to you FDIC insurance is automatically applied to your eligible accounts—no need to sign up or pay extra.How FDIC Coverage Works at 316 Financial316 Financial is a division of Primis Bank, Member FDIC. Your eligible accounts are covered through Primis Bank as an FDIC-insured institution. This means your 316 Financial deposits receive the same level of protection you'd expect from any major financial institution.Important Things to Know:Your deposits are insured up to $250,000 per depositor, per ownership category at Primis Bank.You don’t need to do anything extra—your coverage is automatic.FDIC insurance covers funds in deposit accounts only, not investments like stocks, insurance or crypto assets.FDIC insurance offers peace of mind, so you can focus on what matters most—growing your money and making a meaningful impact. Banking with 316 Financial means you’re not only supporting causes that uplift communities, but your deposit accounts are also backed by the trusted security of FDIC insurance. It’s just another way we’re committed to providing a better banking experience—one that’s both purpose-driven and protected.Want to learn more? Visit the official FDIC website for detailed information and tools to calculate your coverage. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
Grandparent Scams: Protecting Those Who Matter Most
Grandparent Scams Grandparent Scams: Protecting Those Who Matter Most Author: 316 Financial Published: Monday, March 31, 2025 Scammers have no shame. One of their worst tricks? Grandparent scams—where they pretend to be a grandchild in trouble to steal money. These scams prey on love, urgency, and fear. Here’s how to spot them and keep your family safe. How the Grandparent Scam Works You get a call or text—"Grandma? Grandpa? It’s me!"They sound panicked—saying they’ve been in an accident, arrested, or stranded.They beg for money—usually through wire transfer, gift cards, or crypto.They ask you to keep it a secret—so parents won’t "get mad" or they won’t "get in trouble."How to Protect Yourself & Loved Ones Pause and stay calm. Scammers want you to panic. Take a deep breath before acting.Verify their identity. Ask a question only your real grandchild would know. Or call their actual phone number.Never send money quickly. No legitimate emergency requires secrecy or gift cards.Talk to family. If something feels off, check with another relative before responding.Educate loved ones. Have conversations with elderly family members about these scams.If you or someone you know has been targeted, report it immediately. And if bank info was involved, call us at 833.316.3167. At 316, we’re all about peace of mind. Check out more resources on avoiding scams by clicking here. bank316.com/security The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
Romance Scams: When Love Isn’t What It Seems
Romance Scams Romance Scams: When Love Isn’t What It Seems Author: 316 Financial Published: Thursday, March 27, 2025 Love is a beautiful thing—but not when it’s a scam. Romance scams are on the rise, preying on good-hearted people looking for connection. These scams don’t just break hearts—they empty bank accounts. Here’s what you need to know to protect yourself and your loved ones. How Romance Scams Work Scammers create fake identities, gain trust, and then ask for money. It usually goes like this: They meet you online. Dating apps, social media, even faith-based groups—scammers know where to find people looking for genuine connections.They move fast. Sweet messages, deep conversations, even “I love you” within weeks. They make you feel special.They have a reason they can’t meet in person. They’re “stationed overseas,” “on a secret business trip,” or “dealing with a personal crisis.”They ask for money. The excuses vary—medical bills, travel costs, family emergencies—but the request is always urgent.Who’s at Risk? Anyone. But scammers often target:✅ Widows and divorcees looking for companionship✅ People of faith who trust easily and want to help✅ Older adults who may be less tech-savvy✅ Newcomers to online dating who don’t know the red flags How Victims Lose Money Scammers use different methods to drain bank accounts:🚨 Wire transfers: Hard to trace, impossible to reverse🚨 Gift cards: A common scam method—once the code is shared, the money is gone🚨 Cryptocurrency: Fast, anonymous, and untraceable🚨 Bank info: They might convince victims to "help" by depositing a check. sharing account details or opening an account for them. How to Stay Safe 💡 Be skeptical of online romances that move too fast💡 Never send money, gift cards, or crypto to someone you haven’t met in person💡 Watch for excuses when they refuse video calls or in-person meetings💡 Talk to someone you trust before making any financial decisions If you or someone you love might be caught in a romance scam, act fast. Stop all contact, report it to the FTC, and call us at 833.316.3167 if your bank account was involved. Real love is patient, kind, and never asks for money through a screen. Stay wise, stay safe. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
Heard Us on the Air? That Was Markeia.
Heard Us on the Air? That Was Markeia. 316 Financial and WOAD 1300 AM interview Heard Us on the Air? That Was Markeia. Author: 316 Financial Published: Wednesday, March 26, 2025 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.
“Why not us?” 316 Financial Joins WFMV to Talk Faith and Finances
316 Financial Joins WFMV to Talk Faith and Finances We had the privilege of joining Jamal Banks of WFMV to talk about 316 Financial “Why not us?” 316 Financial Joins WFMV to Talk Faith and Finances Author: 316 Financial Published: Wednesday, March 26, 2025 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.