316 Business Rewards Checking Account
Everyday Banking That Pays You Back
Your business makes purchases every day—why not earn something back while you do it? 316 Business Rewards Checking gives you 1.00% cash back on every debit card purchase, with no fees slowing you down.
This account is built for values-based business owners who want consistent, practical rewards—without chasing teaser rates or managing complicated requirements.
Account Features
Accounts are opened through Primis Bank, which powers the 316 Financial experience behind the scenes.
Earn 1.00% cash back on all debit card purchases
No monthly account or maintenance fees
No overdraft fees
No item or transaction fees—unlimited transactions
Free ATM access, nationwide. We refund fees at the end of each statement cycle.
Free incoming wires and cashier’s checks
Refund of all originating wire fees
Business Account Features
Access to Business Insights tools, including:
Cash flow analytics
Spending breakdowns and category tracking
Employee spending insights
Competitive benchmarking and performance monitoring
Simple. Predictable. Rewarding.
Checking that supports your business—and respects your values.
Backed by purpose
We tithe 10% of profits to causes that uplift communities and reflect His teachings.
No monthly fees. No hoops.
We’re committed to a banking experience built around you—not the other way around.
Digital-first, always accessible
Manage everything securely, from anywhere, with ease.
Always here for you
Our care team is available 24/7—because we’re serious about showing up.
Info to Know
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.
Deposit Accounts
Deposit 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.
Rewards
Rewards apply to all debit card purchases, but do not include ATM transactions.
Fees
We 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.