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First Reliance Bank

Hometown Heroes Program®

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You dedicate your life every day to the well-being of others. And you go to extraordinary lengths to serve our community. You protect us. You guide us. You care for us. Now, we want to do the same for you. Hometown Heroes® is a very special personal banking program to recognize very special people – and it’s packed with special perks and lots of ways to make banking so much easier. Hometown Heroes® enjoy some remarkable benefits.


  • Simple Checking with no monthly service fee when you sign up for eStatements
  • Free first order of checks
  • EasyFlex CD with unlimited deposit feature
  • Preferred pricing on traditional CD’s
  • 1.00% rate for 6 Months / 0.54% APY annual blended rate on a Money Market Account1
  • Free MOBILE banking and Mobile Deposit
  • Debit Card with CardCASH® Rewards
  • Christmas and Vacation Club Accounts

Get a FREE Gift with program enrollment.  16 oz Tumblerhometown-heroes-16-oz-shelby-tumbler

Give a FREE Gift – $5 donation when a checking is opened.
Donation is made to a state-wide non-profit organization which
supports your profession.



  • Up to $500 toward mortgage and HELOC Closing Costs
  • Mortgage service guarantee of up to $500
  • First Reliance Credit Card with optional PayBack Cash Rewards or Reward Points
  • Consumer loan 0.25% rate reduction
  • Consumer loan auto draft 0.50% rate reduction
  • No Payment for 90 Days on new Consumer Loans


  • Open Most Traditional Holidays
  • Customer Care Call Center 7:30 am – 6:30 pm Monday thru Friday
  • Customer Service Guaranty or we’ll pay you $5
  • A Day Made Better Customer Appreciation Days
  • Social Media Specials

11 The quoted New Customer or New Business Customer Money Market interest rates and Annual Percentage Yields (APYs) are accurate as of 8/6/18. Since this is a variable rate account, the interest rates and APY could change without notice after the 6 month bonus rate ends.  The current ongoing interest rate and APY for all balances is tiered:0.12% APY $0 – $49,99.99; 0.18% APY $50,000 – $99,999.99 and 0.21% APY $100,000 and up.  The required minimum opening deposit is $5,000. There is a six-month Bonus Interest Rate to first-time holders of our Money Market.  The Bonus Interest Rate cannot be applied to funds transferred from another First Reliance Bank account. New Money only for first time money market customers. Fixed for the first six months, the Bonus Interest Rate (Currently 1.50%) will apply to balances up to and including $250,000.Funds in excess of $250,000 will earn the variable ongoing interest rate and APY of 0.08%, which may change at anytime – even during the first six months. First year blended rate is 0.82% up to $250,000  Minimum balance to earn interest is $0.01. $12 Monthly fee if balance drops below $5,000.  $6 excessive withdrawal fee when account transfers are exceeded. Fees may reduce earnings. The stated APY of 0.82% is based on a principle amount of $5,000 for one year.*Subject to credit approval

Our Hometown Heroes®

• Active and Veteran Military Personnel • Employees of Religious Organizations • Employees of 501(c)(3) Non-Profits • Fire and Rescue • Law Enforcement • Medical Professionals • Teachers and School District Employees

Checking Account Reliance-on-the-Go Account Protection Additional Products