"Simply put, First Reliance is just a better place"

Whether you've got one employee or 40, we have a business checking account to fit your needs. Compare First Reliance Business Checking Accounts to find the best one for your business.

Totally Free Business Checking
Great for small businesses.
No minimum balance requirement or monthly service charges, plus up to 400 combined transactions per month at no charge.

Commercial Checking
For medium to large businesses
Businesses with high transaction activity can take advantage of an earnings allowance credit to offset monthly service charges associated with their business checking.

Not For Profit Checking
A unique checking account for not-for-profit charitable organizations
This is an interest bearing account with no minimum balance requirement, no monthly maintenance service charges and offers an unlimited number of transactions.

Specialty Business Checking:

• IOLTA Lawyers Trust Account
• Public Funds checking
  (for government agencies)

Reliance On-The-Go^SM is a bundled package of convenient services that will help you do your banking easier, anytime and anywhere you want.

Benefits of Reliance On-the-Go^SM

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

Extended Hours

• Open 8am - 8pm Mon- Fri (Florence Main Office open 8am - 8pm Saturdays.)

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

Free Debit Card and Worldwide ATM Network

• Withdraw money from any ATM and we will refund up to five 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.

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. **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. FRB is not obligated to pay any item presented for payment if the customer’s account does not contain sufficient funds. FRB may refuse to pay an overdraft item at any time even though we may have previously paid overdrafts for the customer subject to approval.***Consumers and businesses must apply for Overdraft Protection and is 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.