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First Reliance Bank

Ways to Protect Your First Reliance Bank Accounts from Fraud

Enroll in Free Credit Monitoring Service through South Carolina

If you’re a resident of South Carolina, you’re encouraged to re-enroll in the Free Credit Monitoring Service offered through South Carolina.  If you enrolled in the service the first year you are still required to re-enroll in the service again for the 2nd year (Ends October 2016) because the State has changed to a different credit monitoring company.  Please click on this link for more information provided by South Carolina:  https://dor.sc.gov/communications/credit-protection

Online Banking Password Reset

You will receive an email alert if you have tried to login to your online banking but have put in either the wrong User ID and/or the wrong Password.  Your message will let you know the last time you used your online banking and when the login failed.  If you’ve enabled the Password Self-Reset feature in Online Banking, you can reset your own password by selecting Reset Password on the login page. Otherwise, please contact us 8:00AM to 5:00PM EST Monday through Thursday and Fridays 8:00AM – 6:00PM at our Customer Care Center at 888.543.5510.

We recommend enabling the Password Self-Reset feature if you have not done so already. Once logged in to Online Banking, select Options > Personal Options and enter a Password Self-Reset Question and Answer.

Fraud Protection Center

The bank provides alert contacts to you to help prevent fraudulent use of your debit card.  The First Reliance Fraud Center will identify potentially fraudulent transactions on your debit card 24 hours a day, 365 days a year, and will contact you to verify legitimate purchases, and block your card when needed.

If a transaction on your card appears to be a low, moderate or high risk for fraud the Fraud Protection system will attempt to reach you:

  1.  You will receive a text alert from 32874, which also has the “fraud” or “no fraud” option for our customer to choose.  The system will identify which number on your customer profile is able to accept texts.  This is another reason to ensure phone numbers are always updated with First Reliance Bank
  2. After 5 minutes, if no response is received, you will then receive automatic phone calls to confirm or deny fraud. The first round of calls with start with Home, mobile, then work number.
  3. After 180 minutes, the auto-dialer will attempt to call again starting with the mobile number, home, and then the work.

Beginning in September 2016 we will also incorporate email into the ways we attempt to reach you.

If they are able to reach you, the Fraud Center will verify the transaction.

  • If the transaction is a legitimate transaction the Fraud Center removes any blocks that have been placed on your card.
  • If the transaction is a fraudulent transaction(s) the Fraud Center then blocks your card and will send an email to First Reliance Bank with updates to the incident report. Once confirmed, First Reliance Bank will contact you to initiate the dispute.

If unable to contact you, the following will occur:

A temporary block will be placed on your cards if no customer response is received.

Customers can respond to one of their previous contact methods to confirm or deny fraud, or may call the auto-dialer First Reliance Bank Fraud Center back at 1-800-417-4592.  The auto-dialer looks at the incoming phone number to see if it matches a phone number on an open fraud case.

Importance of Updating Your Customer Information

Contact phone numbers are a vital part of fraud prevention. Please make sure your phone numbers and email address is update. Call 888.543.5510 or email CustomerCare@firstreliance.com to update your information.

Let Us Know When You Travel Outside Of South Carolina or  Internationally

If you’re planning to travel outside of South Carolina or internationally, please call 888.543.5510 to let First Reliance Bank know your travel dates, where you will be, and a phone number you can be reached at so that we can give you access to your accounts. Learn more about traveling internationally.

Online Banking Alerts

We recommend you use the Alerts feature of your Online Banking to help monitor transaction activity on your accounts.  You can set up Alerts for high or low balance thresholds, checks that you want to know have cleared, ACH debits or credits on your account and overdraft notices.  You have the choice of setting up notifications to be sent to you by email or to show up on your Online Banking screen when you log in.

It’s easy to set up an Alert:

Step One:  Log onto Online Banking

Step Two:  Click on OPTIONS on the menu bar

Step Three:  Click on the word ALERTS on the next menu bar

From here you’ll see several different Alert choices you can set up.  The Alerts become effective as soon as you set them up. It’s that easy!

Identity Theft: Protect Yourself

For more information that will help you understand what identity theft is, how it happens, how to protect yourself, and what steps to take if your identity is stolen, see the below resources:

FTC Website  10 Ways To Protect Scams & SafetyIdentity Theft How To Protect Your ID     Report Fraud  5 Ways to Deter