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First Reliance Bank

On the Better
Side of Life

Free Personal Finance Video Lessons

Are you stuck and can't get out of a hole?  Do you often find yourself saying, "I wish I could, but I can't afford it."

If this is you, we have a SOLUTION! We're offering four FREE personal finance video lessons for a limited time that will give you the steps to take to fund the dreams you have for things you want for yourself and your family. First Reliance Bank's purpose is

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Tips For Avoid Overdrafts

The following information will help you manage your account wisely.

Know Your Balance

  • If you have a joint account, designate one person as the account manager
  • Consider direct deposit of your payroll checks and other benefit payments
  • Record all checks, ATM transactions, debit transactions, account fees, and deposits in your checkbook and keep a running balance
  • Never write a check or make a charge on your debit card for more than you

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Checkbook Balancing Steps

Balancing your checkbook is one of the most basic habits for good money management. This is a simple method of verifying that your records (your checkbook register) match the bank’s records, as shown on your monthly statement. Balancing your checkbook can be done in six easy steps, as outlined in the worksheet below.

Step 1 Compare your account register to your account statement for unrecorded transactions (such as ATM, Check

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Managing Your Money

Plan

Assess your needs for the future, major purchases, and periodic expenses.

Set Financial Goals

Determine your short, mid- and long-range money management goals.

Know Your Financial Situation

Determine your monthly living expenses, periodic expenses and monthly debt payments.

Make A Budget

Follow it closely and evaluate it regularly, comparing actual expenses with planned expenses. See our financial tools.

Don’t Exceed Your Income

Pay down on credit cards, pay more than the minimum amount and

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