316 Rewards Checking
Rewards meet Purpose
No monthly fees. Real rewards. Lasting impact.
No account fees
1% cash back on debit purchases
Early direct deposit
Free ATM access, nationwide. We refund fees at the end of each statement cycle.
No overdraft fees
FDIC-insured
24/7 care from real people
Free credit monitoring tools
Free starter pack of 316 checks
Free cashier’s checks
Free & Refunded Wires
Advanced Fraud Protection
WHY 316 FINANCIAL?
We’re a bank with a greater purpose.
You choose your church, your charities, your friends—even your radio station—based on your beliefs and values. Why should your bank be any different? At 316 Financial, we tithe 10% of our profits to causes that uplift communities and create lasting impact, all while delivering the rewards and service you deserve. We’re not like other banks—and that’s on purpose.
BUILT FOR YOUR PROTECTION
Security & Peace of Mind
With advanced fraud prevention and free credit monitoring tools, you’re protected by cutting-edge systems that keep your money and personal information safe—so you can bank with confidence.
A Perfect Pair
Grow More with Savings
Pair your 316 Rewards Checking with a high-yield savings account that earns an impressive 4.05% annual percentage yield* (APY)—helping you grow your money while keeping everything connected in one easy place.
Info to Know
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.