*Daily ATM Cash withdrawal limit is a maximum of $500 per day based on sufficient funds in your account. Daily purchases limit is $1,500 per day. If your average collected balance is $2,500 and greater for the previous month all ATM fees will be automatically waived. If you use a foreign ATM, First Reliance Bank will not charge you, plus the bank will automatically refund the charges assessed by the other bank. Although you will see the charges on your ATM receipt, they will not be on your monthly statement. If your average collected balances is less than $2,500 for the previous month please call our call center to have your fees waived. If you use a foreign ATM, First Reliance Bank will not charge them, but the charges assessed by the foreign bank will appear on your statement. Please call the call center and ask to have the fees refunded 888.543.5510. You will be charged our paid item Overdraft fee of $33 for each overdrawn item created by check, in-person withdrawals or other electronic means paid under the limit. An insufficient balance can result from several events, such as (1) the payment of checks, electronic funds transfers or other withdrawal requests; (2) payments authorized by you; (3) the return of unpaid items deposited by you; (4) bank service charges; or (5) the deposit of items which, according to the bank’s Funds Availability Policy, are treated as not yet available or finally paid. You should make every attempt to bring your account to a positive end-of-day balance as soon as possible, and must do so within 30 calendar days. We are not obligated to pay any item presented for payment if your account does not contain sufficient funds. We may refuse to pay an overdraft item at any time even though we may have previously paid overdrafts for you.

**$100 minimum advance amount. Maximum amount of credit varies between $300 to $5,000 based on individual credit considerations. Minimum payment is 3% of the current balance or $10, whichever is greater, is automatically be deducted from your checking account ten days after your statement date unless a manual payment is made. 18% annual percentage rate.$6 annual fee.