Whether you like to keep a high or low balance (or somewhere in between), whether or not you look to earn interest on your account, whether you like to keep paper records or prefer to keep it virtual... we have a checking account that fits you. And it's always good to know that your checking deposits are FDIC insured.
|Checking Comparison||Simple Checking Apply Now||50 Plus Checking Apply Now||Reliance Premium Apply Now|
|"Simple" says it all. A great basic checking account. And you can save a little green by going "green"---sign up for eStatements and we'll waive your $5 monthly maintenance fee.||Ah, the rewards of aging! First Reliance recognizes gravitas with your own special checking account including additional rewards.||Put your money to work for you!|
|Online Loan Payments|
|Customer Care Call Center|
|Minimum Opening Deposit||$25||$100||$100|
|Interest||None||Interest bearing when you maintain a minimum balance of $2,500 daily||High interest checking, paid monthly, based on balance tiers|
|Monthly Maintenance Fee||No monthly fee if enrolled in eStatements. $5 per month without eStatements.||$0||$20 monthly maintenance fee. No monthly service charge with $2,500 average collected balance per month.|
|Overdraft Protection Line of Credit*|
|Automatic Funds Transfer|
In need of an account that can help you get back on your (ﬁnancial) feet?
We’ve got a tool for you. Our Check ‘N Save Program® with an Easy Checking account, savings account and Check ‘N Save CD is designed to help you get ahead and strengthen your ﬁnancial future.
** Consumers and businesses must apply for Overdraft Protection and are subject to approval. There is a $100 minimum advance amount. The maximum amount of credit varies between $300 and $5,000 based on individual credit considerations. The minimum payment is 3% of the current balance or $10 whichever is greater, and is automatically deducted from the customer’s checking account ten days after their statement date unless a manual payment is made. 18% annual percentage rate. $7 annual fee.
*** Customers are charged our paid item Overdraft fee of $37 for each overdrawn item created by check, in-person withdrawals or other electronic means paid under the limit. An insufficient balance can result from several events, such as (1) the payment of checks, electronic funds transfers or other withdrawal requests; (2) payments authorized by the customer; (3) the return of unpaid items deposited by a customer; (4) bank service charges; or (5) the deposit of items which, according to the bank’s Funds Availability Policy, are treated as not yet available or finally paid.
Customers should make every attempt to bring their account to a positive end-of-day balance as soon as possible, and must do so within 30 calendar days. First Reliance Bank is not obligated to pay any item presented for payment if the customer’s account does not contain sufficient funds. First Reliance may refuse to pay an overdraft item at any time even though we may have previously paid overdrafts for the customer subject to approval.