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316 Financial to Sponsor and Attend U.S. Christian Chamber of Commerce SWC 2026 in Orlando
316 Financial to Sponsor and Attend U.S. Christian Chamber of Commerce SWC 2026 in Orlando Author: 316 Financial | Published: Wednesday, April 22, 2026 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/ About 316 Financial 316 Financial is a digital banking platform and a division of Primis Bank, committed to helping customers align their finances with their faith. With competitive rates, no hidden fees, and a commitment to giving, 316 Financial empowers individuals, businesses, and ministries to make an eternal impact through everyday banking. Share on Related Articles Budget-Friendly Egg Decorating Ideas (Without Breaking the Bank) Easter egg decorating doesn’t have to cost a fortune—especially with egg prices higher than ever. Here are a few creative and affordable ways to keep the tradition going without cracking your budget.Try “Eggstra” Materials Skip pricey eggs and decorate reusable alternatives like foam, wood, or plastic eggs from craft stores. They’re inexpensive, mess-free, and you can save them for next year. Even paper cutouts shaped like eggs can be a fun, budget-friendly way to get the family involved.Paint Potatoes Instead No, it’s not a joke—painting potatoes is actually catching on as a cheap and sturdy alternative to real eggs. They’re easier for little hands to decorate and cost less per dozen. Plus, you can cook them later to avoid waste.Edible Egg Alternatives Get creative with treats that double as decor. Mold Rice Krispies Treats into egg shapes or make Jell-O eggs in fun colors. They’re easy, affordable, and a hit with kids.DIY Dyes and Decor Forget the expensive dye kits. Make your own with items like coffee, tea, turmeric, or even beets for natural colors. Decorating with markers, stickers, or yarn is also an inexpensive way to keep things festive.Skip the Eggs Altogether If you want to avoid eggs entirely, try making salt-dough ornaments in egg shapes and let the kids paint them. They’re cheap to make and double as keepsakes to hang up next year.Remember, the eggs are fun—but Easter is about so much more. It's a time to reflect on hope, faith, and the promises that matter most. Happy Easter! Read Article Understanding FDIC Coverage: What It Means for Your Money At 316 Financial, trust and security are non-negotiable. Banking services are provided by 316 Financial, a division of Primis Bank, Member FDIC—ensuring your eligible deposits are protected up to FDIC limits. But what exactly does FDIC insurance cover, and how does it work for you?What is FDIC Coverage?FDIC insurance is a government-backed protection that ensures your money is safe if an FDIC-insured bank ever fails. It gives you peace of mind by safeguarding your deposits up to a specific limit, no matter what happens in the financial world.Key Benefits of FDIC Insurance:Covers up to $250,000 per depositor, per ownership category, per FDIC-insured bank Whether you have one or more deposit accounts, your funds are protected up to the insured limit.Protects multiple types of accounts FDIC coverage applies to checking accounts, savings accounts, money market deposit accounts, and certificates of deposit.Guaranteed by the U.S. government Your deposit accounts are backed by the full faith and credit of the U.S. government.No cost to you FDIC insurance is automatically applied to your eligible accounts—no need to sign up or pay extra.How FDIC Coverage Works at 316 Financial316 Financial is a division of Primis Bank, Member FDIC. Your eligible accounts are covered through Primis Bank as an FDIC-insured institution. This means your 316 Financial deposits receive the same level of protection you'd expect from any major financial institution.Important Things to Know:Your deposits are insured up to $250,000 per depositor, per ownership category at Primis Bank.You don’t need to do anything extra—your coverage is automatic.FDIC insurance covers funds in deposit accounts only, not investments like stocks, insurance or crypto assets.FDIC insurance offers peace of mind, so you can focus on what matters most—growing your money and making a meaningful impact. Banking with 316 Financial means you’re not only supporting causes that uplift communities, but your deposit accounts are also backed by the trusted security of FDIC insurance. It’s just another way we’re committed to providing a better banking experience—one that’s both purpose-driven and protected.Want to learn more? Visit the official FDIC website for detailed information and tools to calculate your coverage. Read Article Get Paid Faster with Direct Deposit In today’s fast-paced world, managing finances efficiently is essential, and one simple yet impactful way to do so is by setting up direct deposit for your bank account. Direct deposit is a secure, convenient, and reliable method of receiving payments, whether from your employer, government benefits, or other sources. How Do I Set Up Direct Deposit? Log in to online banking.Follow our Pinwheel guide to set up direct deposit in just a few clicks. That’s it – easy as 1-2-3.Prefer Paperwork?Download our direct deposit form.Fill out the form with your specific information.Talk to your employer or person that pays you. They may need additional paperwork or a voided check to complete the process. Why Should I Set Up Direct Deposit? One of the biggest benefits is convenience. With direct deposit, you don't have to worry about going to the bank or waiting in line to deposit your paycheck. You can also get paid up to two days early! Once we’re notified of an upcoming direct deposit, we’ll go ahead and credit your account, up to two days early. This means faster access to your funds and less hassle. Security is another significant advantage. Direct deposit eliminates the risk of losing a paper check, reducing the chances of theft or misplacement. It’s also more environmentally friendly since it cuts down on paper use. Additionally, direct deposit can help you avoid late payments. With automatic deposits, you never have to worry about forgetting to deposit your paycheck, ensuring bills are paid on time. Many banks even offer early access to your funds with direct deposit, letting you access your money sooner than waiting for a traditional check. Lastly, setting up direct deposit can lead to better financial organization. When payments are automatically deposited, it's easier to track your income and spending, making budgeting and managing your finances simpler. Overall, setting up direct deposit can save you time, offer peace of mind, and help you stay on top of your financial game. It's a win for everyone! Read Article
Business Getting Started
Business Getting Started | 316 Financial Set up your 316 Financial Business Account with online banking, funding options, wire instructions, and cash‑flow tools—business banking built for confidence. Getting Your Business Set Up Welcome to Business Banking, Uplifted. Your 316 Business Account is ready. Let’s get everything set up so you can start running your business with confidence.316 Financial is a division of Primis Bank, so you may see “Primis” during parts of your setup and online experience. That’s expected, and rest assured, your account is a 316 account built to support purpose-driven business banking. Business Account Set Up YOUR ROUTING NUMBER: 051409744 You’ll need this to set up direct deposit, pay bills automatically, transfer money between accounts, and link your 316 Financial account to other banks or payment apps. Save it for quick access when you need it. Get Your Business Account Set Up Log In To Online Banking Access Your Online Banking Set up your online banking to view balances, track growth, and manage your savings. Link External Accounts Connect your external accounts to easily transfer funds into your savings. When linking your external business account, select: “Primis Business Digital”.As a reminder, since 316 Financial is a division of Primis Bank, this is the correct option for your account. You may see “Primis” during this process—this is expected. Fund Your Account Start growing your balance and earning interest. Transfer funds from a linked external account. Move money from your 316 checking account. Send a wire (we’ll cover the fee) or ACH transfer.Click here to learn more about our Wire Refund. Wire Instructions You may see Primis listed on wire instructions - that’s expected. Primis powers the banking infrastructure behind your 316 account.To receive a domestic wire into your 316 Business Account, use the following:Bank Name: Primis BankRouting Number: 051409744Bank Address: 10900 Nuckols Rd., Glen Allen, VA 23060Beneficiary Name: Your name as it appears on your accountAccount Number: Your account number Domestic Wire Instructions Foreign Wire Instructions Take Control of Your Business Checking Account Cash FlowBusiness Checking made to keep money moving—simply and securely. Log In To Online Banking Set Up Payments & Cash Flow Streamline how money moves in and out of your business with flexible digital tools.Set up ACH payments or transfers.Schedule recurring bills and vendor payments.Enable payroll processing (if applicable). Manage day‑to‑day finances with confidence, whether you’re at your desk or on the go. Order Checks Need checks for your business?You can order checks directly through online banking or the mobile app.Your first 40 checks are complimentary. Additional checks may be ordered as needed for a fee. Business Banking That Moves With You Download The App Manage your business on the go with the Primis Business Banking app.Since 316 Financial is a division of Primis Bank, you’ll use the Primis app to access your account—giving you the full 316 experience, wherever you are. Apple App Store Google Play Store 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
316 Business Rewards Checking
316 Business Rewards Checking 316 Business Rewards Checking Account Everyday Banking That Pays You Back Your business makes purchases every day—why not earn something back while you do it? 316 Business Rewards Checking gives you 1.00% cash back on every debit card purchase, with no fees slowing you down.This account is built for values-based business owners who want consistent, practical rewards—without chasing teaser rates or managing complicated requirements. You will see Primis Bank mentioned during account opening or in online banking. That’s expected—316 Financial is a division of Primis Bank, which powers the experience behind the scenes. Get Started Account FeaturesAccounts are opened through Primis Bank, which powers the 316 Financial experience behind the scenes. Earn 1.00% cash back on your everyday debit card purchases No monthly account or maintenance fees No overdraft fees No item or transaction fees—unlimited transactions Free ATM access, nationwide. We refund fees at the end of each statement cycle. Free incoming wires and cashier’s checks Refund of all originating wire fees Business Account FeaturesAccess to Business Insights tools, including: Cash flow analytics Spending breakdowns and category tracking Employee spending insights Competitive benchmarking and performance monitoring Simple. Predictable. Rewarding.Checking that supports your business—and respects your values.Backed by purposeWe tithe 10% of profits to causes that uplift communities and reflect His teachings.No monthly fees. No hoops.We’re committed to a banking experience built around you—not the other way around.Digital-first, always accessibleManage everything securely, from anywhere, with ease.Always here for youOur care team is available 24/7—because we’re serious about showing up. Get Started 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 AccountsDeposit 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.RewardsRewards apply to all debit card purchases, but do not include ATM transactions. FeesWe 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.
Getting Started
Getting Started | 316 Financial GETTING STARTED Welcome To Banking Uplifted We’re glad you’re here. Let’s get you set up and ready to make the most of your new account.Don't have an account yet? Open an Account YOUR ROUTING NUMBER: 051409744 You’ll need this to set up direct deposit, pay bills automatically, transfer money between accounts, and link your 316 Financial account to other banks or payment apps. Save it for quick access when you need it. Fund Your Account Move money into your account by transferring from another bank or depositing a check through our mobile app. You can also send a wire and we’ll cover the fee. Click below to learn more. Wire Refund Activate Your Debit Card If you requested a debit card, it’s on the way. When it arrives, call the number on the sticker to activate your card and start using it right away. Set Up Direct Deposit Make your life easier by setting up direct deposit. Use our online tool powered by Pinwheel to connect your payroll and set up direct deposit in just a few clicks. Read more about setting up direct deposit. Get Started Frequently Asked Questions View All FAQs Can I add a co-owner to my account? Yes—co-owners can be added anytime through online banking (web only). It’s a quick, self-service process you can do from your computer.Click here for a step-by-step guide to walk you through it.Heads up: This feature isn’t available in the mobile app just yet. And if you ever run into issues, our team’s here to help—just call 833.316.3167 or email [email protected]. Can I add beneficiaries to my account? Yes—beneficiaries can be added anytime through online banking (web only). It’s a quick, self-service process you can do from your computer.Click here for a step-by-step guide to walk you through it.Heads up: This feature isn’t available in the mobile app just yet. And if you ever run into issues, our team’s here to help—just call 833.316.3167 or email [email protected]. Can I open an account now? Yes you can! Click the link to open an account and start banking with purpose. Do I receive complimentary checks? Yes! Your first pack of 316 Financial checks is on the house, and available upon request. Give us a call at 833.316.3167 or email us to order. How do I find my interest rate in online or mobile banking? Log in to your mobile or online banking and select the account you’d like to check. Click on the Account Info button (located next to the History button). Scroll down to see your interest rate and APY. What is my routing number? 051409744 What are my wire instructions? You may see Primis listed on wire instructions - that’s expected. Primis powers the banking infrastructure behind your 316 account. To receive a domestic wire into your 316 Business Account, use the following: Bank Name: Primis BankRouting Number: 051409744Bank Address: 10900 Nuckols Rd., Glen Allen, VA 23060Beneficiary Name: Your name as it appears on your accountAccount Number: Your account number
316 Business Savings
316 Business Savings 316 Business Savings Account Grow Your Reserves and Strengthen Your Purpose Your business savings should do more than sit on the sidelines. 316 Business Savings offers a 4.00% annual percentage yield (APY*) with no monthly fees or transaction limits—so your reserves can grow while staying accessible.It’s a smarter way to prepare for what’s next. You will see Primis Bank mentioned during account opening or in online banking. That’s expected—316 Financial is a division of Primis Bank, which powers the experience behind the scenes. Get Started Account FeaturesAccounts are opened through Primis Bank, which powers the 316 Financial experience behind the scenes. Earn 4.00% APY No monthly account or maintenance fees No overdraft fees No item or transaction fees—unlimited transactions Free incoming wires and cashier’s checks Refund of all originating wire fees Business Account FeaturesAccess to Business Insights tools for: Tracking savings growth Forecasting cash needs Monitoring reserves over time Save With Clarity. Plan With Confidence. Backed by purposeWe tithe 10% of profits to causes that uplift communities and reflect His teachings.No monthly fees. No hoops.We’re committed to a banking experience built around you—not the other way around.Digital-first, always accessibleManage everything securely, from anywhere, with ease.Always here for youOur care team is available 24/7—because we’re serious about showing up. Get Started 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 AccountsDeposit 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. FeesWe 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.
316 Rewards Checking Account
Rewards Checking Account: Earn 1.00% Cash Back on Purchases Open a 316 Rewards Checking account to enjoy no monthly fees, 1.00% cash back on your everyday debit purchases, free ATM access, and real rewards. 316 Rewards Checking Account Rewards meet Purpose No monthly fees. Real rewards. Lasting impact. Open an Account No account fees 1.00% cash back on your everyday debit card 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 Open Account 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 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. Learn More Info to Know Deposit AccountsDeposit 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.RewardsRewards apply to all debit card purchases, but do not include ATM transactions. FeesWe 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.
Limits
Limits | 316 Financial 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 $50 $50 $100 $250 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 Business Per Transaction Limit Daily Limit Weekly Limit Monthly Limit Bill Pay$99,999NoneNoneNoneATM 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 transfersIf 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: Personal Accounts Business Accounts 316 Rewards Checking: $6,000 316 Business Rewards Checking: $25,000 316 Interest Checking: $30,000316 Business Interest Checking: $250,000316 Savings: $100,000316 Ministry Checking: $250,000 316 Business Savings: $250,000Wire 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.
Privacy Notifications
Privacy | 316 Financial Your Privacy Matters At 316 Financial, your trust is our priority. As a division of Primis Bank, Member FDIC, we are committed to protecting your personal information and being transparent about how it’s used. Our privacy practices follow those of Primis Bank, ensuring the same level of security and protection for your data.Below, you’ll find our full our Consumer Privacy Notice and our Online and Mobile Banking Services Privacy Notice, outlining how we collect, use, and safeguard your information. If you have any questions, we’re always here to help.View PDF | View Consumer Privacy Notice View PDF | View Online and Mobile Banking Services Privacy Policy
Consumer Privacy Notice
Consumer Privacy Notice | 316 Financial WHAT DOES PRIMIS DO WITH YOUR PERSONAL INFORMATION?Why?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.What?The types of personal information we collect and share depend on the product or service you have with us.This information can include:Social Security numberAccount balancesTransaction historyCredit historyAssetsEmployment informationHow?All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Primis chooses to share; and whether you can limit this sharing.Reasons we share your personal informationDoes Primis Bank share?Can you limit sharing?For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYesNoFor our marketing purposes – to offer our products and services to youYesNoFor joint marketing with other financial companiesYesNoFor our affiliates' everyday business purposes – information about your transactions and experiencesYesNoFor our affiliates' everyday business purposes – information about your creditworthinessYesYesFor our affiliates to market to youYesYesFor non-affiliates to market to youNo*We don't share*Primis only shares customer personal information with its strategic partner, Panacea Financial Holdings, Inc., in support of Panacea Financial, a division of Primis Bank.To limit our sharing:Call Toll-free 833-477-4647 for 24/7 Customer Service.Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.Questions? Call toll-free 1-833-4PRIMISWho We AreWho is providing this notice?Primis means the following institutions: Primis Bank, Primis Mortgage Company, and divisions of Primis Bank that do not use the corporate name Primis.What We DoHow does Primis Bank protect my personal information?To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.How does Primis Bank collect my personal information?We collect your personal information, for example, when you:Open an accountDeposit moneyApply for a loanUse your credit or debit cardGive us your contact informationWe also collect your personal information from others, such as credit bureaus, affiliates, or other companies.Why can’t I limit all sharing?Federal law gives you the right to limit onlysharing for affiliates’ everyday business purposes – information about your creditworthinessaffiliates from using your information to market to yousharing for nonaffiliates to market to youState laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.What happens when I limit sharing for an account I hold jointly with someone else?Your choices will apply to everyone on your account.DefinitionsAffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.Our affiliates include companies with a common corporate identity of the Primis name such as Primis Bank, Primis Mortgage Company, and Primis Financial Corp.Non-affiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include insurance companies and co-branded partners.Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.Our joint marketing partners include credit card companies.Other Important InformationFor Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information withnonaffiliates either for them to market to you or for joint marketing – without your authorization.For California Customers. We will not share personal information with nonaffiliates either for them to market to youor for joint marketing – without your authorization. We will also limit our sharing of personal information about youwith our affiliates to comply with all California privacy laws that apply to us.For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit orshare relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.For Vermont Customers.We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.Additional information concerning our privacy policies can be obtained by calling 1-833-4PRIMIS.
Online and Mobile Banking Services Notice
Online and Mobile Banking Services Notice | 316 Financial ONLINE AND MOBILE BANKING SERVICES PRIVACY NOTICEPrimis Online and Mobile Banking Services (the “Services”) help you manage your money, view your transactions and accounts, and make it easy to manage your finances on the go. Our Services are offered on behalf of Primis Bank (“we,” “us,” or “our”). This Online and Mobile Services Privacy Notice (the “Privacy Notice”), together with any other privacy notice that we provide to you pursuant to applicable federal and state financial privacy laws, informs you of our practices regarding the collection, use, and disclosure of personal information. The specific capabilities of our Services available to you may vary.WHAT INFORMATION DOES PRIMIS COLLECT?When you visit us using our Services, we may collect the following information:Personal InformationOur Services may collect personal information from you when you open a new financial account or register for other financial services, such as:Your first and last nameAddressEmail addressUser IDsTelephone numberSocial Security numberIf you provide feedback or contact us via email, we will collect your name, email address, and any other content included in your message to respond to you.Our Services also collects other types of personal information that you voluntarily provide, including any information requested by us when you contact us via email for support related to our Services.Personal Information UsagePrimis may use information collected through Primis sites to do any of, but not limited to, the following:Responding directly to questions or inquiriesDelivering tailored advertising, communication, surveys or offers to youPersonalizing site interactions and experiencesAllowing access to planning tools and calculatorsDeveloping and improving products and servicesEnhancing sitesIdentifying trends and effectiveness of promotional campaignsDetecting fraud and security enhancementsUtilizing features within our site that require contact information or geo-locationPersonal Information SharingReference the Primis Consumer Privacy Notice for details on how personal information may be shared and how you may be able to limit certain types of information sharing.Other InformationDevice images or videos may be accessed when you deposit a check or use a QR code to make peer-to-peer payments using Zelle or other payment functionality. Device contacts may be accessed when you make peer-to-peer payments using payment functionality, such as Zelle or similar payment services. Device location information may be accessed to detect and prevent card transaction fraud and deposit fraud, as well as to provide branch and ATM locations.We may collect the financial and transaction information necessary to provide you with our Services, including account numbers, payment card expiration dates, payment card identification and verification numbers, and transaction and payment history.Personal Information Collected from Third PartiesWe may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, to provide some of our Services.Personal Information Collected Via TechnologyWe may, as well as our service providers, automatically log information about you, your computer or mobile device, and your interactions over time with our Services, our communications, and other online services, such as:Device data, such as your computer or mobile device operating system type and version, manufacturer and model, browser type, screen resolution, RAM and storage capacity, device type (e.g., phone or tablet), IP address, unique device identifiers, language settings, mobile carrier, and network information (e.g., Wi-Fi, 4G, LTE, 5G). We may also collect general location information, such as your city, state, or geographic region.Online activity data, such as the pages or screens you view, the time spent on each page or screen, navigation paths between pages or screens, information about your interactions with a page or screen, access times, and the duration of your sessions.Cookies, which are text files that websites store on your device to uniquely identify your browser or to store information or settings. Cookies help you navigate between pages efficiently, remember your preferences, enable certain functionality, and allow us to understand user activity and usage patterns.Location Information. An IP address is a unique number automatically assigned by your internet service provider to every computer and mobile device. If you have enabled location services on your device and consent to the collection of your location when prompted by our Services, we will collect your location information when you use our Services—for example, to support fraud-detection measures. If you prefer not to share this information, you may decline the request when prompted or adjust your device’s location-services settings.DISCLOSURE OF YOUR PERSONAL INFORMATIONOur Services may disclose your personal information as described below.Third-Party Service ProvidersBecause we are responsible for the Services you use, your personal information may be shared within the systems and partners that support those Services when necessary to operate them. Any sharing of your information occurs under our direction, and we remain responsible for how your information is used. Service providers that support our Services may use your information for the purposes described in this Privacy Notice, including:Providing you with our ServicesConducting quality assurance testingFacilitating the creation of accountsOptimizing the performance of our ServicesProviding technical supportCorporate RestructuringWe may share some or all of your personal information in connection with, or during the negotiation of, any merger, financing, acquisition, or dissolution transaction involving the sale, transfer, divestiture, or disclosure of all or a portion of our business or assets. In the event of insolvency, bankruptcy, or receivership, personal information may also be transferred as a business asset. If our company, business, or assets are acquired by another entity, that entity will possess the personal information collected by our Services and will assume the rights and obligations regarding your personal information as described in this Privacy Notice.Authorities and OthersRegardless of any choices you make regarding your personal information, our Services may disclose your personal information to law enforcement, government authorities, or private parties for the compliance and protection purposes described above.Additional Required DisclosuresPrimis Bank does not sell customer personal information and does not track users across apps or websites owned by other companies.SMS PROGRAM DISCLOSURESBy enrolling in SMS alerts, you agree to receive text messages related to your account activity, security notifications, and service updates. Primis Bank will not share your opt-in with other affiliates or non-affiliates. Unique services offered by Primis Bank or affiliates that offer the use of SMS require separate opt-inMessage FrequencyMessage frequency varies based on your account activity and alert settings.CostYour carrier message and data rates may apply.Opt-Out InstructionsYou may text STOP to discontinue SMS alerts at any time. You may also disable SMS alerts by unlinking your mobile number in the Primis Mobile app or contact Primis Bank Customer Care.Supported CarriersMajor U.S. carriers are supported, but delivery is not guaranteed and may be affected by carrier network conditions.Data Use for SMSYour phone number, device information, and carrier details are used solely to deliver SMS alerts and authenticate your device. No SMS-related data is sold or used for advertising.ADVERTISINGInformation Primis collects, such as general preferences, user behavior and other user attributes, is used to create informed advertising and marketing strategies and determine its effectiveness. Advertising may include:Online Behavioral AdvertisingCertain information about your user behavior will help us determine advertisements that may be most interesting to you. This information may be used for online and offline advertising, such as direct mail, email, social media, display, and behavioral ads.If you prefer not to receive tailored online and offline content and advertising based on the behavioral information available, you may opt out of online behavioral advertising through your personal privacy settings. If you opt out, you may still receive untailored advertising from Primis.Advertising on Third-Party Sites and Mobile ApplicationsPrimis contracts with advertising companies to advertise our products and services on sites and mobile applications (apps) not associated with Primis.Primis may share some of the information you provide to us to these third-party sites so that they can tailor the ads served to you.Some of our online behavioral advertising may be served using data collected by third-party providers. Ads served on behalf of third-party providers will not contain unencrypted personal information and these companies are only given limited use of the information provided.Third-party sites and apps are not subject to this Privacy Notice and you should refer to their individual privacy policies and opt-out policies.Relationship-based AdvertisingGeneral information about your relationship with Primis may be used to determine the advertisements or offers we present to you.Email Direct MarketingGeneral information about your relationship with Primis and certain information about your user behavior will be used to determine marketing offers sent to you via email.If you prefer not to receive marketing offers via email, opt-out of these solicitations by clicking on the “opt out” button at the bottom of a Primis email.LINKS TO OTHER SITESOur Services may contain links to third-party websites. When you click on a link to any other website or location, you will leave our Services and be directed to another site, where a different entity may collect personal and/or anonymous information from you. Our provision of a link to any other website or location is for your convenience and does not constitute our endorsement of that website, its location, or its contents. Our Services have no control over, do not review, and are not responsible for these external websites or their content. Please be aware that the terms of this Privacy Notice do not apply to external websites. We encourage you to review the privacy notice of every website you visit.YOUR CHOICES REGARDING YOUR INFORMATIONYou have several choices regarding use of information on our Services.Access, Update, or Correct Your InformationYou can access, update, or correct your information by accessing your account. You can also contact Primis for any additional requests, as we are the entity providing our Services to you.Opting Out SMS CommunicationsIf you provide your phone number through our Services, we may send you SMS notifications, such as fraud alerts. You may opt out of SMS communications by unlinking your mobile phone number through our Services.Opting Out of Location TrackingIf you initially consented to the collection of geo-location information through our Services, you may stop the collection of this information at any time by adjusting the preferences on your mobile device. Please note that if you withdraw consent to the collection of location information, you may no longer be able to use certain features of our Services.How We Respond to Do Not Track SignalsSome web browsers transmit “Do Not Track” signals to the websites and online services with which they communicate. There is currently no standard that governs how websites should respond to these signals. We do not take action in response to Do Not Track signals. If and when a standard is established, we may make revisions regarding how we respond to such signals.You may opt-out of SMS communications using the instructions in the SMS Program Disclosures of this Privacy Notice.SAFEGUARDS AND RETENTIONWe implement reasonable administrative, technical, and physical measures to safeguard the information in our custody and control against theft, loss, and unauthorized access, use, modification, or disclosure. However, transmission over the internet is not completely secure, and we cannot guarantee the security of your information.All personal information is encrypted in transit and encrypted at rest.Federal laws and regulations require U.S. financial institutions to retain original, active, and historical records. Your personal and financial data will be retained for a period of five to ten years, depending on applicable laws, regulations, and legitimate business needs.ACCOUNT DELETIONYou may request account deletion by contacting us. Data required for regulatory compliance will be retained; all other data will be deleted or de-identified.SOCIAL MEDIA SITESPrimis operates various social media channels including, but not limited to, Facebook®, Twitter®, YouTube®, Instagram ®, LinkedIn® and TikTok®. Any content users post on an official Primis manage social page, such as pictures, information, opinions or personal information, is subject to the terms of use and privacy policies for the respective social platform. Understand your rights and obligations regarding this content by reviewing the social channel’s individual privacy policies, terms and conditions. When engaging with a Primis social channel, you are subject to this Privacy Notice and the Primis Social Media Community Disclosures located on PrimisBank.com.LINKING TO THIRD-PARTY SITESFrom time to time, we may provide you with links to third-party sites, which are not controlled by Primis. If you choose to visit these sites, review and understand the site’s individual privacy policies, terms and conditions. Primis does not guarantee or accept responsibility for the privacy and security of these third-party sites.A NOTE ABOUT CHILDRENOur Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has submitted personal information, we will attempt to delete the information as soon as possible.PRIVACY NOTICE UPDATESThis Privacy Notice, and any other privacy notice issued by us is subject to occasional revision. We may, in our sole discretion, notify you of any material changes to the collection, use, or disclosure of your personal information by posting a notice on our Services. Any material changes to this Privacy Notice will be effective thirty (30) calendar days after such notice is posted on our Services, or immediately if no notice is provided. These changes will take effect immediately for new users of our Services. If you object to any such changes, you must notify us before the effective date of the changes and request that your account be deactivated. Continued use of our Services following notice of any changes (or use of our Services after such changes take effect) will constitute your acknowledgment of those changes.CONTACT USIf you have any questions about this Privacy Notice or if you wish to report any security violations, please contact the Primis Bank Customer Care at 1-833-477-4647 or email [email protected].