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personal banking > bounce protection > checking accounts > savings accounts - personal savings   accounts > money market accounts > ATM & debit cards > personal loans > certificates of deposit > IRA's > switch kit > substitute check notice business banking mortgage banking wholesale mortgage access phone banking internet banking investments other products & services		personal banking personal savings: For all individuals. Benefits Minimum to open is $10.00. Three free withdrawals allowed per month. Minimum daily collected balance to earn interest is $.01. Interest compounds monthly. Interest is credited monthly. If you close your account before interest is credited, you will not receive the accrued interest. Contact our Personal Bankers for current rates. If your checking account is with First Reliance you can access this savings account at an ATM. Service Charges $4.00 maintenance fee per month if the daily balance is less than $10.00 on any day during the month. $2.00 fee for each withdrawal in excess of three per month. This is not a transaction account; any withdrawals must be made inside the bank, in person or on-line. All Common Fees apply. See schedule of Common Fees.

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