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Purpose

Our Purpose | 316 Financial Discover 316 Financial’s purpose to strengthen communities through faith-based financial stewardship. Learn how we uplift the world with purpose-driven banking. 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? Yes you can! Click the link to open an account and start banking 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.

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) Bridging Faith and Finance: 316 Financial Sits Down With the Christian Stewardship Network 316 Financial Our very own Rey Feliciano, Commercial Relationship Manager at 316 Financial, sits down with Leo Sabo, President of the Christian Stewardship Network, to share why 316 Financial was created—and how our mission is helping individuals, churches, and organizations align everyday banking with what matters most.Watch the full conversation below on bridging faith and finance, and the mission behind 316 Financial. Read Article 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 Let's connectDo you have a press request or inquiry? Fill out this form and we will get back to you. First name Last name Email Phone Message reCAPTCHA

Extended FDIC Coverage

Extended FDIC Coverage High-Balance Deposits Secured by the FDIC Your 316 Savings account is now eligible for up to $2 million in FDIC insurance per tax ID, at no cost to you.You’ll still manage everything right from your 316 Financial app—same experience, more protection behind the scenes. Your Savings Deserve Stronger Protection We believe safeguarding your finances is part of good stewardship. The FDIC protects deposits up to $250,000 per depositor, per insured bank, for each account ownership category.If your 316 Savings balance exceeds $250,000—and your deposits are held under the same account ownership category—we can help you secure up to $2 million in FDIC insurance coverage per tax ID or Social Security number. How It Works You’ll continue managing your savings just like you always have—right from your 316 Financial app.Behind the scenes, our Extended Coverage Program quietly and securely moves any balance over $250,000 to a network of trusted, FDIC-insured partner banks. This helps extend your protection up to a combined total of $2 million per depositor, per tax ID or Social Security number, across all eligible accounts.Keep in mind: deposits held at 316 Financial, Primis Bank, and any of its divisions, brands, or affiliates are aggregated when determining FDIC insurance coverage.The process is seamless and automatic. Your money remains fully accessible through 316, and your experience doesn’t change.To maintain full FDIC coverage, it’s important to be aware of any deposits you may also hold—directly or indirectly—at one of our partner banks. Your total deposits at each institution count toward the $250,000 FDIC insurance limit per legal ownership category. You can review the current list of partner banks below and take action if needed to stay fully covered.This program is administered by our technology partner, R&T Deposit Solutions, and currently applies to 316 Savings accounts only, as well as select accounts from Primis Bank and affiliates. If you’re interested in extended coverage on another account type, just reach out—we’re here to help. Review Terms and Conditions Network of Participating BanksPlease note, the below list of participating banks is subject to change. CITY NATIONAL BANK METROPOLITAN COMMERCIAL BANK CITIZENS BANK, N.A. WESTERN ALLIANCE BANK BELL BANK SOFI BANK, N.A. UMPQUA BANK RENASANT BANK EXTENDED COVERAGE FAQS What is FDIC insurance? FDIC stands for the Federal Deposit Insurance Corporation, an independent agency of the U.S. government. It protects depositors by insuring funds held in eligible accounts—up to $250,000 per depositor, per insured bank, per ownership category. How much does FDIC insurance cost? There’s no cost to you. FDIC insurance is automatic for all eligible deposit accounts at FDIC-insured institutions—including 316 Financial as we are a division of Primis Bank, Member FDIC. Is extended FDIC coverage available on other 316 accounts? Right now, extended coverage applies only to 316 Savings accounts. If you’re interested in additional protection for another type of account, reach out—we’re happy to help. Is this program provided by the FDIC? No, but all partner banks are FDIC-insured. The program itself is administered by R&T Deposit Solutions on behalf of 316 Financial, a division of Primis Bank member FDIC.  What if I have an account at one of the participating network banks? FDIC coverage is aggregated by depositor and ownership category at each bank. If you already have funds held at one of our partner banks—either directly or through another financial service—those balances count toward your $250,000 FDIC limit at that bank. Check the current list of participating banks and review your total deposits to ensure you remain fully covered. How does extended FDIC coverage work? We partner with a network of FDIC-insured banks to distribute your funds and extend your protection. This allows us to insure up to $2 million per tax ID or Social Security number across all eligible 316 Savings accounts. It’s the same as opening accounts at multiple banks—but we do it for you, seamlessly and behind the scenes. Do I need to opt in to receive this protection? Nope. If you have a 316 Savings account, you’re automatically included in the Extended Coverage Program. Can I opt out? Yes. If you prefer not to participate, you can opt out here. Your funds will remain FDIC insured up to the standard $250,000 limit per insured bank. Will I still access my account the same way? Yes. Nothing changes about how you access or manage your money. You’ll still use the 316 app or website—no extra steps needed. Does this change the rate I earn on my savings? Not at all. You’ll continue to earn the same competitive APY on your 316 Savings account. The added insurance doesn’t impact your rate or returns. How does FDIC coverage work across 316 Financial and Primis Bank? Banking services are provided by 316 Financial, a division of Primis Bank, Member FDIC. That means your deposits at 316 Financial, Primis Bank, and any of its divisions, brands, or affiliates are combined to determine your total FDIC insurance coverage. If you hold other accounts with Primis or its related entities, those balances will be aggregated under your FDIC insurance limits. Info to Know The Demand Deposit Marketplace® (“DDM”) program is offered to you by 316 Financial (“us” or “we”), subject to the terms and conditions set forth in the DDM program Terms & Conditions provided to you. Please liaise with us regarding your participation in the DDM program, including for the DDM program Terms & Conditions, your customer statements and any questions you may have. Please contact us for a list of banks and other institutions into which your funds could be deposited through the DDM program. The DDM program is administered by Stable Custody Group II LLC (“Stable”). Stable and its affiliates are not depositories, banks or credit unions, and the DDM program is NOT, itself, an FDIC-insured or NCUSIF-insured product. Rather, under the DDM program, your funds are swept or placed into deposit accounts at participating banks or other financial institutions that are insured by the Federal Deposit Insurance Corporation (“FDIC”) and/or National Credit Union Share Insurance Fund (“NCUSIF”) for up to the current standard maximum deposit insurance amount (“SMDIA”) of $250,000 per eligible depositor, per insured participating institution, for each ownership capacity or category, including any other balances the depositor may hold at that institution directly or through other intermediaries, including broker-dealers. FDIC and NCUSIF insurance coverage is only available to protect you against the failure of a FDIC or NCUSIF insured institution, respectively, that holds your deposits under the DDM program (and not to protect against the failure of any other party, including Stable). The DDM program is primarily designed to provide administrative convenience for us to offer expanded FDIC or NCUSIF insurance on your funds, and is not designed to provide you with investment enhancements, higher rates of returns or profits on their funds. Demand Deposit Marketplace®, DDM®, Reich & Tang® and R&T® are registered marks of Reich & Tang Deposit Networks, LLC (“R&T”). Stable is a subsidiary of R&T.

Business + Nonprofits Coming Soon

Banking for Businesses & Nonprofits | Coming Soon Discover purpose-driven banking solutions for your business or nonprofit. Sign up to be the first to know when we launch. BANKING FOR BUSINESSES & NONPROFITS For Values-Driven Organizations Like Yours You lead with purpose—whether you're building a business, running a nonprofit, or serving your community. We’re creating modern banking tools that reflect your values and help you grow. Be the First to Know Designed for small businesses and nonprofitsOur tools are being built to support everyday operations and long-term impact.Backed by purposeWe tithe 10% of profits to causes that uplift communities and reflect His teachings.No monthly fees. No hoops.We’re committing to banking that works for you—not the other way around.Digital-first, always accessibleManage everything securely, from anywhere, with ease.Always here for youOur care team is available 24/7—because we’re serious about showing up. Be the First To Know Real People. Real Help. We don’t believe in sending you in circles. When you open a business or nonprofit account with 316, a real human will walk you through the process—start to finish. We’re building a banking experience that feels like a relationship, not a transaction. Get Notified

Churches Coming Soon

BANKING FOR CHURCHES Built for Your Church and Everyone You Serve Churches have unique financial needs—and no one understands that better than us. That’s why we’re building purpose-driven tools made just for ministries like yours. Be the First to Know Being built for ministries of all sizesFrom small congregations to multi-campus churches, we’re designing tools that meet your operational needs.No monthly fees. No red tape.Banking should make ministry easier, not add complications or costs.Fundraising and financial stewardship made simpleNew programs will help your church raise money for your missions just by sharing 316 with your congregation.Rooted in Christian valuesWe tithe 10% of profits to causes that uplift communities and advance the Gospel.FDIC-insured and fully digitalSafe, secure, and easy to manage—anytime, anywhere.Real people, ready to helpYou’ll get 24/7 support from our dedicated team. No bots. No runaround. Be the First To Know More than just banking—an opportunity to grow your ministry. We’re developing a unique program for churches that want to take giving further. When members of your congregation open accounts with 316, your church could receive a quarterly donation based on the total balances held. It’s a way to turn everyday banking into lasting support for your mission—with no extra effort or expense for your members. Be the First to Know

Mortgage | 316 Financial

Mortgage | 316 Financial 316 Financial is proud to partner with Primis Mortgage Company. Together, we’re helping families and individuals finance their homes with care and purpose. 316 Financial + Primis Bank Home Loans Built With Purpose Your home is one of the most meaningful investments you’ll ever make and at 316 Financial, we believe the process should reflect integrity, compassion, and confidence.That’s why 316 Financial is proud to partner with Primis Mortgage Company. Together, we’re helping families and individuals finance their homes with care and purpose. 316 Financial is not a mortgage lender. All mortgage loans are made by Primis Mortgage Company. Get A Quote Why Use Primis Mortgage Company for Your Mortgage?316 Financial is a division of Primis Bank and Primis Mortgage Company is a wholly owned subsidiary of Primis Bank. You get the same core values, common leadership, and integrity. Competitive Options Access mortgage solutions through Primis Mortgage. Financing on Your Schedule Apply, track progress, and connect with your loan officer anytime through a simple digital experience. Primis Privacy Policy Dedicated Mortgage Team From first quote to final signature, The Primis Mortgage team is here to guide you every step of the way. Mortgage Solutions for Every Stage First-Time Homebuyers: Start your homeownership journey with confidence.Refinancing: Explore opportunities to adjust your current mortgage.Purchasing Your Forever Home: Find a space that supports your family’s future. Get Started Today How It Works Prequalify Start with a simple prequalification to see your options. Get Approved Work with our team to select the loan that best fits your goals. Close Your Loan Complete the process with guidance and support every step of the way. Speak with a Mortgage Specialist First name Last name Email Phone Number What State Are You Looking to Buy In? What Mortgage Need Can We Help With? I'm a First Time Homebuyer reCAPTCHA FAQs What is the minimum down payment needed to buy a home? In general, down payment requirements may vary by program and state. Speak with a mortgage specialist for further guidance. How much do I qualify for? Applicants qualify for different amounts of financing depending on a variety of factors including personal credit score/history, debt-to-income ratios, etc. To determine what you may qualify for, please speak with a mortgage specialist.  Will applying for a mortgage affect my credit? Under certain circumstances, a mortgage specialist may be able to utilize a soft credit pull to preliminarily advise you as to what you may qualify for prior to a full underwriting review and hard inquiry.  A soft inquiry may not affect your credit score, but a hard inquiry may affect your credit score Who will be the lender on my mortgage? Primis Mortgage will be the lender on your loan. 316 Financial is a division of Primis Bank and Primis Mortgage Company is a subsidiary of Primis Bank. Info to Know All applicants are welcome. 316 Financial and Primis Mortgage Company do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or any other protected category.Primis Mortgage Company (“Primis Mortgage”) is a subsidiary of Primis Bank, a Member FDIC. Primis Mortgage NMLS #1894879 | AL #23183 | BK #1042893 | ML #1894879 | #41DBO-166162 Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act (www.nmlsconsumeraccess.org). For additional licensing and state license information click here. As always, all loans are subject to credit approval and product guidelines. Other terms and conditions may apply.Any mortgage information is from Primis Mortgage. Mortgage applications can only be submitted in those states that Primis Mortgage is approved to lend. 316 Financial is not a mortgage lender in any transaction and does not make mortgage loans, mortgage loan commitments or lock-rates related to mortgage loans. All credit decisions for mortgage loans are the responsibility of Primis Mortgage. Neither Primis Mortgage nor 316 Financial guarantee that Primis Mortgage will make you a conditional loan offer and nothing should be considered a commitment to lend. 316 Financial is a division of Primis Bank and Primis Mortgage Company is a subsidiary of Primis Bank.  316 Financial is FDIC insured but mortgage loans by Primis Mortgage are not insured by the FDIC.

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.

Budget-Friendly Egg Decorating Ideas (Without Breaking the Bank)

Budget-Friendly Egg Decorating Ideas Celebrate Easter with budget-friendly egg decorating ideas—from painted potatoes to DIY dyes—perfect for fun without breaking the bank. Budget-Friendly Egg Decorating Ideas (Without Breaking the Bank) Author: 316 Financial | Published: Thursday, April 3, 2025 Easter egg decorating doesn’t have to cost a fortune—especially with egg prices higher than ever. Here are a few creative and affordable ways to keep the tradition going without cracking your budget.Try “Eggstra” Materials Skip pricey eggs and decorate reusable alternatives like foam, wood, or plastic eggs from craft stores. They’re inexpensive, mess-free, and you can save them for next year. Even paper cutouts shaped like eggs can be a fun, budget-friendly way to get the family involved.Paint Potatoes Instead No, it’s not a joke—painting potatoes is actually catching on as a cheap and sturdy alternative to real eggs. They’re easier for little hands to decorate and cost less per dozen. Plus, you can cook them later to avoid waste.Edible Egg Alternatives Get creative with treats that double as decor. Mold Rice Krispies Treats into egg shapes or make Jell-O eggs in fun colors. They’re easy, affordable, and a hit with kids.DIY Dyes and Decor Forget the expensive dye kits. Make your own with items like coffee, tea, turmeric, or even beets for natural colors. Decorating with markers, stickers, or yarn is also an inexpensive way to keep things festive.Skip the Eggs Altogether If you want to avoid eggs entirely, try making salt-dough ornaments in egg shapes and let the kids paint them. They’re cheap to make and double as keepsakes to hang up next year.Remember, the eggs are fun—but Easter is about so much more. It's a time to reflect on hope, faith, and the promises that matter most. Happy Easter! The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Related Tags Finance Share on Related Articles 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 The Power of ‘Paying Yourself First’ (And How to Make It Happen) 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 News & Press Bridging Faith and Finance: 316 Financial Sits Down With the Christian Stewardship Network Our very own Rey Feliciano, Commercial Relationship Manager at 316 Financial, sits down with Leo Sabo, President of the Christian Stewardship Network, to share why 316 Financial was created—and how our mission is helping individuals, churches, and organizations align everyday banking with what matters most.Watch the full conversation below on bridging faith and finance, and the mission behind 316 Financial. Read Article

Understanding FDIC Coverage: What It Means for Your Money

FDIC Coverage Learn how FDIC insurance protects your deposits at 316 Financial. Understand what’s covered, how it works, and why your money is safe—up to $250,000. Understanding FDIC Coverage: What It Means for Your Money Author: 316 Financial | Published: Monday, February 10, 2025 At 316 Financial, trust and security are non-negotiable. Banking services are provided by 316 Financial, a division of Primis Bank, Member FDIC—ensuring your eligible deposits are protected up to FDIC limits. But what exactly does FDIC insurance cover, and how does it work for you?What is FDIC Coverage?FDIC insurance is a government-backed protection that ensures your money is safe if an FDIC-insured bank ever fails. It gives you peace of mind by safeguarding your deposits up to a specific limit, no matter what happens in the financial world.Key Benefits of FDIC Insurance:Covers up to $250,000 per depositor, per ownership category, per FDIC-insured bank Whether you have one or more deposit accounts, your funds are protected up to the insured limit.Protects multiple types of accounts FDIC coverage applies to checking accounts, savings accounts, money market deposit accounts, and certificates of deposit.Guaranteed by the U.S. government Your deposit accounts are backed by the full faith and credit of the U.S. government.No cost to you FDIC insurance is automatically applied to your eligible accounts—no need to sign up or pay extra.How FDIC Coverage Works at 316 Financial316 Financial is a division of Primis Bank, Member FDIC. Your eligible accounts are covered through Primis Bank as an FDIC-insured institution. This means your 316 Financial deposits receive the same level of protection you'd expect from any major financial institution.Important Things to Know:Your deposits are insured up to $250,000 per depositor, per ownership category at Primis Bank.You don’t need to do anything extra—your coverage is automatic.FDIC insurance covers funds in deposit accounts only, not investments like stocks, insurance or crypto assets.FDIC insurance offers peace of mind, so you can focus on what matters most—growing your money and making a meaningful impact. Banking with 316 Financial means you’re not only supporting causes that uplift communities, but your deposit accounts are also backed by the trusted security of FDIC insurance. It’s just another way we’re committed to providing a better banking experience—one that’s both purpose-driven and protected.Want to learn more? Visit the official FDIC website for detailed information and tools to calculate your coverage.  The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Share on Related Articles 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 Grandparent Scams: Protecting Those Who Matter Most 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 News & Press Bridging Faith and Finance: 316 Financial Sits Down With the Christian Stewardship Network Our very own Rey Feliciano, Commercial Relationship Manager at 316 Financial, sits down with Leo Sabo, President of the Christian Stewardship Network, to share why 316 Financial was created—and how our mission is helping individuals, churches, and organizations align everyday banking with what matters most.Watch the full conversation below on bridging faith and finance, and the mission behind 316 Financial. Read Article