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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 Checking 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!
Reliance-On-the-Go® Access Checkmark Checkmark Checkmark
Mobile Banking Checkmark Checkmark Checkmark
Online Banking Checkmark Checkmark Checkmark
eStatements Checkmark Checkmark Checkmark
BillPay Checkmark Checkmark Checkmark
Debit Card Checkmark Checkmark Checkmark
Alerts Checkmark Checkmark Checkmark
Budgeting Tools Checkmark Checkmark Checkmark
Phone Banking Checkmark Checkmark Checkmark
Online Loan Payments Checkmark Checkmark Checkmark
Customer Care Call Center Checkmark Checkmark Checkmark
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 maintenance fee with $2,500 minimum daily balance.
Additional Benefits
  • No fee on cashier checks
  • 30% off all safe deposit boxes (based on availability)
  • One box of paper safety checks per year 
Overdraft Protection Line of Credit* Checkmark Checkmark Checkmark
Automatic Funds Transfer Checkmark Checkmark Checkmark
Bounce Protection** Checkmark Checkmark Checkmark

    Check 'n Save ad

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.

Click here to learn more

** 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.