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First Reliance Bank

Important Notices

BillPay Will Be Down Dec 1 - Dec 4 During The Upgrade

Bill Pay is being upgraded with easier to use features, greater security and easy person to person payments including gift cards or charitable contributions!  BillPay will be down starting 1pm on December 1st and will be available again at 8am on December 4th.    Payees that customers have set up will automatically convert to the new system.  Customers who are downloading information through Direct Connect or Web Connect into Quicken, Quickbooks or Quickbooks express have been emailed and called with additional information regarding steps you must take before and after the conversion.  Please contact customer care 888.543.5510 if you have any questions.

Multi-Factor Authentication Upgrade Launching October 27th.

First Reliance Bank takes a layered approach to help protect your accounts and your identity. On October 27th we are launching an updated layer of security called Multi-factor authentication  to protect your accounts and help prevent fraud.  As a security measure, some online banking actions require passcodes as a second layer of identity verification to ensure that you are the user authorizing the activity. Please click on the link in this message to learn more about how multi-factor authentication works.  If you have any questions about multi-factor authentication, please contact our Customer Care Center at 888.543.5510.

Fraud Alert

Fraud Alert Caution Sign

Fraud Alert Caution SignSonic Drive-In, a U.S. fast-food chain with nearly 3,600 locations across 45 states, has acknowledged a breach affecting an unknown number of store payment systems. The ongoing breach may have led to millions of stolen credit and debit card numbers that are now being sold.

Sonic issued the following statement to KrebsOnSecurity:

“We are working to understand the nature and scope of this issue, as we know how important this is to our guests. We immediately engaged third-party forensic experts and law enforcement when we heard from our processor. While law enforcement limits the information we can share, we will communicate additional information as we are able.”

More Details:

If First Reliance Bank receives information from our card processor that your card has been impacted, we’ll notify you and reissue you a new debit card.

We recommend you set up ALERTS on your accounts so that you can be notified when transactions are occurring.  These can be emailed to you, sent to you as text messages or you can see them upon login to your account depending on how you set up your preferences.


Equifax Data Breach FAQ's

Frequently Asked Questions

I’ve been hearing about the Equifax breach in the news. What happened?

Equifax, one of the three major credit bureaus, experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

Was my information stolen?

If you have a credit report, there’s a good chance it was. Go to a special website set up by Equifax to find out: Scroll to the bottom of the page and click on “Potential Impact,” enter some personal information and the site will tell you if you’ve been affected. Be sure you’re on a secure network (not public wi-fi) when you submit sensitive data over the internet.

How can I protect myself?

  • Enroll in Equifax’s services.

Equifax is offering one year of free credit monitoring and other services, whether or not your information was exposed. You can sign up at

  • Monitor your credit reports.

In addition, you can order a free copy of your credit report from all three of the credit reporting agencies at You are entitled to one free report from each of the credit bureaus once per year.

  • Monitor your bank accounts.

We also encourage you to monitor your financial accounts regularly for fraudulent transactions. Use online and mobile banking to keep a close eye on your accounts.

  • Watch out for scams related to the breach.

Do not trust e-mails that appear to come from Equifax regarding the breach. Attackers are likely to take advantage of the situation and craft sophisticated phishing e-mails.

Should I place a credit freeze on my files?

Before deciding to place a credit freeze on your accounts, consider your personal situation. If you might be applying for credit soon or think you might need quick credit in an emergency, it might be better to simply place a fraud alert on your files with the three major credit bureaus.  A fraud alert puts a red flag on your credit report which requires businesses to take additional steps, such as contacting you by phone before opening a new account.

How do I contact the three major credit bureaus to place a freeze on my files?

Equifax: Call 800-349-9960 or visit its website.

Experian: Call 888-397-3742 or visit its website.

TransUnion: Call 888-909-8872 or visit its website.

Where can I get more information about the Equifax breach?

You can learn more directly from Equifax at You can also learn more by visiting the Federal Trade Commission’s web page on the breach at To learn more about how to protect yourself after a breach, visit