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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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Primis Premium Primis Perks Others
ATM
None
None
They charge $27 on average for overdrafts…1
OVERDRAFT
None
None
They charge $4.77 on average for out-of-network ATM fees…2
FEE
None
None
They have an average $13.95 monthly maintenance fee…3
Open An Account
Open An Account
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316 FINANCIAL IS

Banking Uplifted

Rooted in Christian values, we’re offering a better way to bank.

Open an Account

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.

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.

Interest and Rates
*APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of January 13, 2026, and may change at any time. Fees, if applicable, may reduce earnings.  

We’re Here to Help
If you have any questions or need assistance, our team is here for you every step of the way.
Contact Us

round up to give

Charitable donations made easy.
With Round Up to Give, you can turn everyday purchases into opportunities to give back to organizations that are close to your heart.
More than just banking—an opportunity to grow your ministry.
We’re developing a unique program for churches that want to take giving further. When members of your congregation open accounts with 316, your church could receive a quarterly donation based on the total balances held. It’s a way to turn everyday banking into lasting support for your mission—with no extra effort or expense for your members.
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Pedro Lujan 

Franchise Owner, Popeye’s Louisiana Kitchen 

Richmond, Virginia


Pedro Lujan - Popeyes