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316 Financial, a division of Primis Bank, deposit products: FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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SMALL BUSINESS CHECKING

Simple Banking. More Room to Do Good.

Keep more of your money focused on your business with no monthly maintenance fee and 150 included items each month.

Get Started

Business Checking, Simplified.

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    No monthly maintenance fee

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    No minimum balance requirement

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    150 included items each month

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    $1 minimum opening deposit

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    Free e-statements

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    Secure online and mobile banking

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    24/7 care from real people

  • More Business. Fewer Banking Costs.

    Your first 150 items each month are included. After that, additional items are $0.35 each.

  • ATM Access When You Need It

    Beginning November 4, 2026 get fee-free access to MoneyPass® ATMs. Over 40,000 locations nationwide.

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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.

Our Purpose FAQs

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.

Monthly Items
The account includes 150 items each month. Additional items are $0.35 each.

Items include debits, credits and deposited items, except incoming and outgoing Zelle® transfers, account service charges and maintenance fees. A separate per-item fee may apply to Zelle® transfers.

ATM Access
Withdrawals at Primis Bank and MoneyPass® ATMs are free. Fee-free MoneyPass® ATM access begins November 4, 2026. Standard ATM fees and terms apply before that date.

Withdrawals or transfers at ATMs outside the Primis Bank and MoneyPass® networks are $2 per transaction. The ATM owner or operator may charge an additional fee.

Fees
Other account and service fees may apply. See our Pricing Guide for more information.