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First Reliance Bank

Managing Overdrafts

Having insufficient funds in your account can put you at risk for bouncing checks or having your ATM / Debit Card transactions denied at a gas station or store.  It can mean embarrassing phone calls and unwanted fees charged by vendors.  First Reliance Bank has several tools and tips for making smart decisions about managing your overdrafts.


Bounce Protection

We understand that mistakes happen.  When they do, we strive to pay your overdrafts on the following types of transactions:

  • Checks
  • Automatic Bill Payments
  • Telephone-initiated transfers or other electronic transfers
  • Preauthorized automatic debits
  • ATM transactions (included for business accounts, consumer accounts must opt in)
  • Everyday Debit Card Purchases (included for business accounts, consumer accounts must opt in)

Our Bounce Protection service is a discretionary, non-contractual courtesy, where we strive to pay your overdrawn items and charge our standard NSF/OD fee of $35 for each item overdrawn.  This policy is a discretionary courtesy and may be withdrawn at any time.  Payment of your overdraft item is NOT guaranteed.


Bounce Protection PLUS

For consumer accounts, our Bounce Protection may also be extended to cover the following types of transactions, if you inform us after you have received a special notice required by Regulation E.

  • ATM withdrawals and transfers
  • Everyday Debit Card Purchases

Link Your Accounts

You can link your checking and savings accounts. If you overdraw your checking account, we automatically transfer funds from your savings account to your checking account.  There is a $5 fee for each transfer.

Overdraft Protection

You may apply for an Overdraft Protection line of credit, which is tied to your checking account. If your account is overdrawn, we transfer funds from your credit line into your checking account, up to your credit limit.  There is a $7 annual fee and you will be charged interest on amounts loaned to you.

Free Email or Text Alerts

Free email alerts let you know when your balance drops below a set level or if you have an overdraft.  To set your alert options, go to and log-in to online banking and click on the options tab.