Many things in life are complicated...banking shouldn't be one of them.

First Reliance Bank offers personal checking products designed to meet your individual needs. Take a look to see which of the following checking accounts fits your banking needs. All deposits are FDIC insured.

Simple Checking

Banking "Green" has its rewards. No monthly fee when you enroll in eStatements; a $5 monthly fee without eStatements.

• Does not earn interest
• No minimum balance
• Opening balance of $25

Simple Plus Checking

Make your money work hard and earn more for you!

• Tiered interest on balances of $.01 to less than $500, $500 to less than $5,000 and $5,000 or greater
• No minimum balance
• Opening balance of $100
• Low or no monthly fee:
  • $10 monthly fee on average daily collected balances less than $500
  • $5 monthly fee on average daily collected balances of $500 to less than $5,000
  • No monthly fee on daily collected balances greater than $5,000

Mature Living Checking

Getting older offers certain privileges like a special checking with additional rewards.

• Earns interest
• No monthly fee
• No fee on cashiers checks or travelers checks
• 30% off all safe deposit boxes (based on availability)
• One box of free safety paper checks per year or $7.50 credit towards other types of check designs
• And it’s easy to get rewards:
  • Tiered interest on balances less than $1,000 and $1,000 or greater
  • No minimum monthly balance
  • Opening balance of $100

Reliance Rewards

Life is a little more fun when you earn rewards just for doing everyday banking. In today’s economy every dollar matters!

• Open an account and get these rewards:
  • High interest paid on the portion of your balance under $25,000 when qualifications are met (see below)
  • Regular interest paid on balances over $25,000 when qualifications are met
  • No minimum monthly balance
• Getting Reliance Rewards is simple:
  • Opening balance of $100
  • 4 easy monthly qualifications to receive Reliance Rewards (If requirements are not met, you earn interest at a lower rate and there is a $10 monthly fee.)
    • Online Banking
    • eStatements
    • Direct Deposit ( must have one or more totaling $500 or more)
    • Minimum of 12 debit card transactions per month

You automatically receive Reliance On-The-Go convenient services and Account Protection services with each checking account you open.

Reliance On-The-Go^SM package of convenient services that will help make banking easier –anytime and anywhere you want. Benefits include these services:

Benefits of Reliance On-the-Go^SM

The Reliance On-the-Go^SM Convenience Suite includes these services:

Extended Hours

• Open 8am – 8pm Monday – Friday (Florence Main Office drive thru open 8am - 8pm on Saturdays too!)

Same Day Banking

• Transactions accepted and processed until 8pm Mon - Fri.

Free Online Banking & Bill pay

• Check balances, make transfers, and pay your bills all online

Convenient Debit Card and Worldwide ATM Network*

• Withdraw money from any ATM and we will refund up to five ATM fees per month

eStatements

• Receive statements quicker.
• Reduce the risk of mail fraud.
• Safe and secure.
• Enroll online when you log onto your online banking at www.firstreliance.com.

Direct Deposit

• Ask your employer to direct deposit your paycheck to First Reliance Bank.
• Save time running to the bank.

Consolidated Statements

• Call 888.543.5510 and consolidate your statements into one easy-to-read statement.

Customer Care Call Center 888.543.5510

• Call Center Agents available Mon-Sat from 8am - 8pm to assist you.
• Banker on Call available Mon - Sat from 8pm - 11pm for emergency and urgent requests (Option 9.)

24 Hr Phone Banking

• Access recent account activity, toll free.
  • Florence 843.656.2025
  • Lexington 803.996.4955
  • Charleston 843.789.1111

We offer several services to help you manage your account and keep it in good standing.

Overdraft Protection**

• An unsecured line of credit designed to automatically advance to your checking account if and when the account balance falls below zero.

Automated Sweep

• Set up automatic transfers from another deposit account to your checking to protect your account from a possible overdraft.
• $3 fee per automatic transfer.

Bounce Protection***

• Bounce Protection will automatically be applied to your checking account. (upon qualification)
• You will still be charged non-sufficient fund fees, but you can avoid your check being returned to merchants causing you additional fees from them.

*The daily ATM cash withdrawal limit is a maximum of $500 per day based on sufficient funds in the account. The daily purchase limit is $1,500 per day subject to approval. 5 ATM refunds maximum per month. **Consumers and businesses must apply for Overdraft Protection and are subject to approval. There is a $100 minimum advance amount. The maximum amount of credit varies between $300 and $5,000 based on individual credit considerations. The minimum payment is 3% of the current balance or $10 whichever is greater, and is automatically deducted from the customer’s checking account ten days after their statement date unless a manual payment is made. 18% annual percentage rate. $6 annual fee.
***Customers are 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 the customer; (3) the return of unpaid items deposited by a customer; (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. Customers should make every attempt to bring their account to a positive end-of-day balance as soon as possible, and must do so within 30 calendar days. First Reliance Bank is not obligated to pay any item presented for payment if the customer’s account does not contain sufficient funds. The bank may refuse to pay an overdraft item at any time even though we may have previously paid overdrafts for the customer subject to approval.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.