Your 316 Accounts
Move Money Your Way
Seamless transfers, transparent limits.
We make moving money simple and seamless. Whether you're sending payments, withdrawing cash, or funding your account, we've got you covered with transparent limits and no hidden fees.
P2P & Bill Pay
With our digital banking tools, you can send money through Bill Pay and Peer-to-Peer (P2P) services, while also receiving funds through direct deposits and other P2P platforms.
Consumer | Per Transaction Limit | Daily Limit | Weekly Limit | Monthly Limit |
P2P New | $500 | $500 | $3,500 | $10,000 |
P2P Tenured | $2,500 | $10,000 | $25,000 | $50,000 |
Bill Pay New | $3,500 | $5,000 | $15,000 | $25,000 |
Bill Pay Tenured | $10,000 | $25,000 | $50,000 | $100,000 |
ATM Transactions
You can access cash from any ATM nationwide, with fees reimbursed at the end of each statement cycle. For security, ATM withdrawals are limited to $550 per day.
Worried you can’t make deposits at the ATM? We’ve got you covered. Just use your phone’s camera and the 316 Financial app. All 316 customers can use our mobile check deposit feature to deposit up to $25,000 per day.
ACH Transfers
Moving money between 316 Financial and other banks is easy with ACH transfers.
- Daily Limit: $18,000 (incoming and outgoing)
- Monthly Limit: $100,000 (incoming and outgoing)
- Cost: Free for all incoming and outgoing transfers
If you need to transfer money outside of these customer limits learn how to make a wire transfer (we’ll even refund your fees).
Initial Funding Limits
Get started with your new account easily. Here’s what you need to know about initial deposits:
- 316 Rewards Checking: $6,000
- 316 Interest Checking: $30,000
- 316 Savings: $100,000
Wire Transfers – We’ve Got You Covered
We don’t charge fees for incoming wires, and we’ll even refund fees your other bank may charge—plus, we’ll add $10 for your effort. Just contact our support team with documentation to claim your refund. Send an email to get started.
Need more details?
Our U.S.-based customer care team is available 24/7 to assist with any questions. Click here to contact us.