Financial Anxiety Doesn’t Care How Much You Make

Author: 316 Financial | Published: Monday, October 19, 2026

Financial anxiety is not always tied to the number in your bank account. It can affect people at every income level, shaping their relationships, decisions, health and sense of peace.

In a recent article from RELEVANT, the 316 team discusses why earning more does not necessarily eliminate financial stress. They also share how practical stewardship, thoughtful planning and faith can help us make financial decisions from a place of wisdom rather than fear.

Money may be part of the concern, but it does not have to become the source of our security.

Read the full article from RELEVANT

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Protect What You’ve Been Entrusted With: How to Spot Financial Scams

We work hard for what we have. We save, plan, give, and make thoughtful decisions about our finances. Part of good stewardship is knowing how to protect those finances, too.Scammers are always looking for new ways to get your attention, often by creating urgency or making a message look like it came from a company or financial institution you trust.The good news? A few simple habits can help you slow down, recognize the warning signs, and protect yourself.1. Be cautious when a message creates urgency“Your account has been locked.”“Suspicious activity detected.”“Verify your information immediately.”Messages like these are designed to make you act before you have time to think.If something feels urgent or unusual, pause before responding or clicking a link. Instead, independently contact the company or financial institution through a trusted channel.2. Think before you clickUnexpected links in texts and emails can lead to fraudulent websites designed to look legitimate.Before clicking, ask yourself:Was I expecting this message?Do I recognize the sender?Is the message pressuring me to act quickly?Does anything about it seem unusual?When in doubt, don't use the link in the message. Go directly to the company's official website or contact them another way.3. Protect your passwords and personal informationBe cautious anytime someone unexpectedly asks for sensitive information.Use strong, unique passwords for important accounts and avoid reusing the same password across multiple services.And remember: just because someone claims to represent a trusted organization doesn't mean they do.4. Verify unexpected payment requestsIf you receive an unexpected request to send money, especially one involving a change in payment instructions, take an extra step before acting.Contact the person or organization using contact information you already know and trust to verify the request.A few extra minutes could make a big difference.5. Trust your instinctsIf something doesn't feel right, slow down.Scams often rely on urgency, fear, excitement, or distraction. Giving yourself a moment to think can be one of your best defenses.Pause. Verify. Then act.Protecting your finances isn't only about how you save, spend, and give. It's also about protecting what you've been entrusted with.At 316 Financial, we believe good stewardship touches every part of our financial lives. Staying alert, asking questions, and taking a moment to verify something suspicious are simple ways to help protect what you've worked hard to build.Think a message claiming to be from 316 Financial may be suspicious?Don't click links or respond using the information provided in the message. Contact 316 Financial through a trusted channel instead.

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When “Fraud Prevention” Calls You… It Might Be A Scam

Scammers are getting more convincing. And lately, they’re not just pretending to be your financial institution — they’re pretending to be the fraud department.Here’s how it usually happens:You get a call saying there’s suspicious activity on your account. The caller sounds professional, urgent, and helpful. Then they ask you to log into your account, move your money, or follow steps while they “assist” you.Sometimes they’ll even ask you to share your screen or download an app so they can “help secure your account.”That’s when the scam begins.Let’s Be Clear: 316 Financial Will Never Ask You To:Move your money to another account for “protection”Share your online banking username or passwordAccept a screen-sharing requestDownload remote access software like AnyDesk or TeamViewerIf someone is asking you to do any of those things, it is not 316 Financial.Why These Scams WorkThese scams are designed to create panic and urgency.Scammers want you to act quickly before you have time to stop and think. By pretending to represent a trusted financial institution or fraud department, they try to gain your confidence fast.Once they gain access to your device or online banking information, they can move quickly to steal funds or personal information.What To Do If You Receive One of These CallsIf something feels off, trust your instincts and take these steps:Hang up immediatelyDo not click links or share your screenDo not provide login credentials or verification codesContact 316 Financial directly using a phone number you know and trustThat one step can stop the scam in its tracks.How We’re Working To Protect YouAt 316 Financial, protecting our customers is a top priority. We continue to strengthen fraud prevention efforts by:Monitoring for suspicious account activityEnhancing fraud detection and security toolsEducating customers about emerging scams and threatsProviding support when something doesn’t seem rightBottom LineIf someone contacts you and pressures you to act quickly regarding your money or account, pause before responding.The safest thing you can do is simple:Hang up and contact 316 Financial directly at 833-316-3167.

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3 Easy Ways to Track Your Spending in 2026

A new year is a natural time to reset your financial habits. Tracking your spending doesn’t have to be complicated—or time-consuming. With the right tools and a little intention, you can gain clarity, reduce stress, and steward your money with confidence in 2026.Here are three simple ways to get started.1. Use Your Banking App to Categorize PurchasesYour banking app is one of the most powerful budgeting tools you already have. By reviewing categorized transactions—like groceries, dining, or subscriptions—you can quickly see where your money is going each month.This visibility helps you identify patterns, spot unnecessary spending, and make adjustments that align with your goals and values. A few minutes of review each week can make a big difference over time.2. Set Weekly Spending Limits and AlertsInstead of tracking every dollar, try setting weekly spending limits for key categories. Many banking apps allow you to create alerts when you’re approaching a limit, helping you stay on track without feeling restricted.Weekly check-ins keep your finances manageable and prevent small overspending from turning into bigger issues—giving you peace of mind and greater control.3. Automate Your Savings for Small, Consistent GrowthOne of the easiest ways to build healthy financial habits is to automate them. Setting up automatic transfers—even small amounts—helps you save consistently without having to think about it.At 316 Financial, we believe managing money is about stewardship and generosity. Just as we commit to tithing 10% of our profits, automating your savings can help you intentionally set aside resources for future needs, giving opportunities, and long-term goals—faithfully and consistently.Ready to start saving with purpose?Open a 316 Financial Savings Account today and take the first step toward smarter spending and intentional stewardship in 2026.

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News & Press

316 Financial to Sponsor and Attend U.S. Christian Chamber of Commerce SWC 2026 in Orlando

Orlando, FL — April 22–24, 2026 — 316 Financial is proud to announce its participation as a sponsor of the upcoming U.S. Christian Chamber of Commerce Spring Workshop and Conference 2026 in Orlando, Florida. As the official lunch sponsor, 316 Financial is honored to support this gathering of more than 750 faith-driven leaders, organizations, and entrepreneurs from across the country.The annual conference, hosted by the U.S. Christian Chamber of Commerce, brings together a vibrant community focused on integrating faith and business, fostering meaningful connections, and advancing Kingdom-minded impact through commerce.“Events like this are a powerful reminder that business can be a force for good,” said Paige Whitaker, Brand Growth & Partnerships Manager at 316 Financial. “We’re passionate about helping our customers steward their finances with purpose—and as a company, we live that out by tithing 10% of our profits to support Gospel-centered work.”316 Financial provides digital banking solutions designed to align faith and finances—empowering individuals, businesses, and ministries to manage their money with intention while supporting initiatives that spread the Gospel.Representing 316 Financial at the conference will be:Paige Whitaker, Brand Growth and Partnerships ManagerRey Feliciano, Commercial Loan OfficerMegan Boykin, Senior Business AnalystDawn Taylor, Lead Digital BankerThe team looks forward to connecting with fellow attendees, building new relationships, and exploring opportunities to serve faith-based businesses and ministries through purpose-driven financial solutions. For more information about the event, visit: https://uschristianchamber.com/swc-2026/

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