Call 888-543-5510
First Reliance Bank

Online Banking Guarantee

Our Commitment

With First Reliance Bank’s Online Banking and Bill Pay service, you can be confident that our high level of security will protect your personal and financial information and that you are covered in the unlikely event of unauthorized transactions or processing delays.

Our Guarantee

When you use Online Bill Pay, we promise your electronic payments are safe and reliable. You will be reimbursed 100% for any improperly removed funds from your accounts as long as you follow the instructions provided in the Online Banking and Bill Pay Service Agreement. This includes funds removed from your accounts as a result of online theft of your account numbers or password as well as unauthorized online removal of funds from your accounts.

Online Services at First Reliance Bank Online are services you use to initiate consumer or business transactions: (1) online at , or (2) on your mobile device at, via text at our 89549 short code, or via one of our First Reliance Bank Mobile downloadable applications.

The Online Security Guarantee does not apply to Business debit transactions, business transactions made through Cash Management Online Banking Services or credit card accounts issued through our third party vendor, Card Assets, or our Merchant Services  3rd party vendor.

Your Responsibilities

You are responsible for protecting your password and account information by:

  • Not disclosing your personal account information to others (including your ATM PIN, online username, and password), and
  • Promptly reporting incidents of unauthorized account access or use by calling 1-888.543.5510 within 60 calendar days after the date we send you the account statement showing that unauthorized activity.

You must also cooperate with our claims representatives, and comply with our requests and procedures, during the processing of your claim. It’s a good idea to start a written record on the date that you file a claim and make notes regarding any subsequent phone calls or correspondence.

Claims Resolution

Your claim will typically be resolved within the following timelines:

  • For consumer and covered small business checking and savings accounts — 10 business days from the date the claim was received.
  • For  personal and home equity lines of credit, and other covered business lines of credit — up to 90 calendar days from the date the claim was received.
If we require additional time to resolve your claim, you will be notified of the delay, expected resolution date, and whether or not provisional credit of the claim amount will be provided during the extended resolution period.

On-time Payments

When you schedule your payment transactions in compliance with the Online Bill Pay Service Agreement, we promise to pay your bills as scheduled. If you have scheduled your payment properly and the payment is credited after the due date, we will reimburse you 100% of any late fees or interest charges1 you incur.


First Reliance Bank is committed to treating our customer’s personal financial information responsibly. We respect the privacy of our customers and are committed to protecting their information on our Web sites with the same care we utilize for all First Reliance Bank transactions. For additional information on how we protect your privacy, see our Privacy Policy.

The Online Banking and Bill Pay Guarantee is one of the many services First Reliance Bank offers through First Reliance Bank Security Assurance to help protect you from fraud and identity theft.

How Our Online Security Guarantee Relates to Federal Law

Federal law provides certain protections to consumer customers when there is unauthorized account activity. Regulation E covers electronic fund transfer activity through a checking, savings, or other consumer asset account at a financial institution used primarily for personal, family, or household purposes. Regulation Z covers certain types of consumer credit accounts that are used primarily for personal, family, or household purposes.  All of the protections provided to consumer customers by Regulations E and Z are considered first to determine if they apply before we review your claim against the protections of the Online Security Guarantee.

This Guarantee may be modified or discontinued at any time

1.  Limited to additional interest charges accrued between the due date of the bill and the date when the bill is paid.