Lobbies Begin Opening June 1st

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Customer Service Update - May 28th

Lobbies Begin Opening June 1st

Every person, family and business has been impacted in different ways from the Covid-19 pandemic. We've all had to adapt to new norms as we run errands, go to the doctor, care for our families and even socialize with our friends and neighbors.

First Reliance Bank has navigated change too. We closed our lobbies and expanded drive-thru services in early March. Our customers began using digital services and our Customer Care Call Center more frequently as you stayed home to protect yourself and your loved ones.

Today, our top priority remains the health and safety of our customers and our bank associates. As we prepare to welcome you back into our branches, we want to share the steps we're taking to keep you safe.

Beginning June 1st, our lobbies in Florence, Mt. Pleasant, Myrtle Beach, Winston-Salem, Lake Norman and Charlotte will reopen for service. You will not need an appointment to visit our branches. However, we will be limiting the number of customers permitted inside as we continue to follow social distancing guidelines.

The Lexington, West Columbia, Downtown Greenville, Taylors and Simpsonville branch lobbies will remain closed for the time being, but we will continue serving customers via drive-thru and appointments for select transactions. We will update you on their lobby opening dates as soon as we can.

This weekend, May 30th and May 31st, we have contracted with a vendor, bioPURE to deep clean all our offices and operation centers.  This is an investment we made to ensure that when we open our lobbies and offices, they have been cleaned by a microbial disinfection company.  

Please note, our drive-thru service at our Palmetto St. Branch will close at 3pm instead of 4pm Saturday May 30th in order to allow bioPure to clean the Main Office building.  

Prior to entering our lobbies you will see the sign below on the door. It outlines the changes we have made to keep everyone as safe as possible.


    Safety Flyer


We thank you for your patience and understanding as we adapt to our new environment. Rest assured that our dedication to our purpose, ‘to making the lives of our customers better’, is stronger than ever.

We look forward to serving you soon! If you have any questions, please contact our Customer Care Center 888.543.5510.

Customer Service Update - April 23rd

SBA Paycheck Protection Program Prepare for Additional Funding

Earlier this week the Senate approved $484 billion in additional funds for the recently exhausted SBA Paycheck Protection Program (PPP). The stimulus bill still needs approval from the House and signed by President Trump.

We have received hundreds of applications and not all were able to be processed during the first round of this stimulus. We encourage all applicants who have submitted, but not completed the application process before, to do so as soon as possible.  As before, the funding will go fast and completed applications will be the first submitted to the SBA for approval. Contact your First Reliance Relationship Banker by calling them directly or calling Customer Care at 888-543-5510 if you need the link to access the application. 

First Reliance Bank continues to support our small businesses and our communities in these uneasy times.

If you have any additional questions on your application please call 888-351-3143 or email ppp@kabbage.com.

Customer Service Update - April 16th

SBA Paycheck Protection Program (PPP) Funding

We have been notified that the SBA is no longer accepting new Paycheck Protection Program applications indicating the $349 billion stimulus has been exhausted. 

This will mean that we will no longer be able to process applications through the gateway to SBA. Please continue to complete your application so it is ready in hopes of an additional stimulus package. We understand Congress is looking into approving an additional stimulus that would allow additional requests to be processed but, we have yet to receive confirmation of this.

If you have received an SBA Loan number your loan is approved by the SBA and you will be contacted to close your loan.

We know some of our customers were still in the process of applying and presently do not have access to government funds unless congress approves additional funding.  We are hoping, along with you, that this funding will come through. We will continue to review applications in the expectation the stimulus is approved.

Providing service to our customers is why we exist.  Please let us know if we can help with any other solutions you may need.  We are doing everything we can to support our customers and have processes in place to move quickly if congress approves additional funds.

Please contact your Relationship Banker directly if you have further questions or call our Customer Care Center at 888-543.5510 and ask to speak to your Relationship Banker.

Customer Service Update - April 10th

CARES Act - Paycheck Protection Program 

If you are a small business customer impacted by the COVID-19 pandemic, click here to apply.

Customer Service Update - March 26th

COVID-19 Relief Options Available On Your Mortgage 

First Reliance Mortgage wants to let you, our mortgage customer, know about options you have now, or that you may need to know about later, on your mortgage during these uncertain times relating to the COVID-19 virus.   We don’t want you to worry or suffer undue hardship when there are ways we can help you. We have put in place measures to protect homeowners the same as what we do for natural disasters such as hurricanes.

We are offering a package of relief options for borrowers having trouble making their mortgage payments because of financial disruptions caused by the virus.  Each case will be reviewed individually. These relief measures are effective immediately and apply to borrowers who are unable to make their mortgage payments due to a decline in income resulting from the impact of COVID-19, even if you have not contracted the virus.  Borrowers are eligible for relief packages regardless of whether their property is owner occupied, a second home or an investment property.

If you need help go to Covid-19 Hardship as the information there is updated regularly. Once on the site, there is a link with detailed information related to COVID-19 Hardship Assistance.

You may be eligible for a temporary forbearance plan. This option may reduce or suspend your mortgage payment for a specific period of time to allow you to recover from this hardship. To discuss the payment assistance options available to you, please contact our Loss Mitigation specialists at 866-397-5370. A specialist will work with you to discuss your individual circumstances and options. Or you may email any inquiries at:  lossmitinquiry@DMIcorp.com

Know that First Reliance Mortgage is doing all we can to help those adversely impacted by the coronavirus.  We hope you know you can count on us and invite you to call us if you are experiencing financial challenges due to COVID-19. Know that you all are important to us and we can get through this together. As your local community bank we want to help you stay in your home. We’re not just your bank, we’re your neighbors and friends. We’re here for you all.

Customer Service Update - March 18th

We have additional updates to share as the coronavirus (COVID-19) continues to disrupt life across the United States.  Below are additional steps First Reliance Bank is taking to keep associates and customers safe and continue to service our customers. 

Effective Monday, March 23rd All Customers Are Directed To Use The Drive-Thru.

Customer should continue to call our Customer Care Call Center 888.543.5510 for questions or if you need help or to be connected to your banker. 

If you need to see a banker in person please contact them to set up an appointment. We encourage as much business be conducted by phone or email as possible in order to protect you and our associate.   A list of bankers and their direct lines can be found on our website or call 888.543.5510 and ask to be connected to your banker.


  • Digital Online Services:  Please leverage all of the available First Reliance Bank tools and resources for self-service banking and 24/7 account access through our mobile, online and voice banking services. Through these channels, you can check balances, transfer funds, deposit checks or find the nearest ATM. Information can also be found at firstreliance.com on other online options such as online consumer loan payment or mortgage payment, and First Reliance On-The-Go convenient services which includes mobile banking, mobile deposit, easy to use phone banking, Bill Pay, alerts and Treasury Service solutions for businesses. Our apps can be downloaded from the GooglePlay (Android) or the Apple App store (iphone). If you are not enrolled in Online and Mobile Banking and you need assistance with the process or need any additional assistance, please visit firstreliance.com or a branch or contact First Reliance Banks Customer Care Center at 888-543-5510.
  • We increased the mobile deposit daily and monthly balance limits for both consumer and business mobile deposits.  Consumers can deposit up to 10 checks per day for a combined total of $1,500 and up to 50 checks monthly for a combined total of $2,500.  Businesses can deposit up to 10 checks per day for a combined total of $5,000 or up to 50 checks monthly for a combined total of $10,000.  Funds will be available within 1 day.
  • Businesses may use the night drop at our branches or the drive-thru window drawer during operating hours.
  • Stop payments on checks may be made in Online Banking or using 24/7 Phone Banking
  • Debit Card:  If you need to change the PIN number on your debit card, please use the last four digits of your social security number and then change it at the ATM or by calling our 24/7 Phone Banking number 888.543.5502 and follow the menu options to change your PIN or to activate your card.
  • We will be sending out a Skip A Payment email today, March 18th.  Customers who qualify will have the option of paying a one-time fee of $50 fee to skip either one month loan payment or they can choose to skip two months of loan payments.  If we do not have an email address on your account and you qualify we will have a printed Skip A Payment letter and coupon mailed to you. Effective months for skip a payment are April and May 2020.


If COVID-19 has put a strain on your finances, reach out to us so we can help. We know that many of our customers will be impacted by school closures, travel restrictions and limitations on social gatherings. We're ready to support you during this time of uncertainty.


Please call 1-888-543-5510 with any banking questions or if you need assistance with specific banking activities. We recognize that this is a difficult time that requires all of us to remain cheerful and calm. So stay confident. We're here for you!


Watch for regular updates on this page or on our social media.

The current spread across the U.S. can be tracked on the CDC's website at: https://www.cdc.gov/coronavirus/2019-nCoV/index.html

Feeling ill? From the CDC: Here is information on what to do.