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First Reliance Bank - New Mom Casey And How Life Has Changed!

It’s been 8 weeks since Casey Carbery’s first video as part of our “Mom’s First” Better Life Program. Since then, there have been two big changes — she’s no longer pregnant and there’s a new member of the family. In this video, she introduces us to her newborn son, Hudson, and discusses how she and her husband not only chose his name, but what daddy does best.

Selling Your Car


In most cases, you can sell your car on your own for more than you will receive by trading it in. However, prepping your vehicle for sale will take time and depending on its condition may also cost you some money. Assess the car's condition, and then decide how much you want to spend on minor repairs, always remembering the liability involved with a private-party sale.

These steps will help you get the maximum sale price for your vehicle:


  1. Make sure it is washed, waxed and detailed.

  2. Make sure it is mechanically sound and free from dents, dings and scrapes.

  3. Make all repairs yourself rather than selling it "as is".

  4. Have your mechanic check out your car and issue a report about its condition.

  5. Remove all of your personal items from inside the car, trunk and glove compartment. For safety reasons, don’t leave any documents that have ...


There comes a time in life when you realize you need to buy another car. But you have no idea how to begin. You Google a “how to” but, after reading it, the task still seems so big that you don’t know where to start. So you turn to Dad! After all, he’s bought lots of cars for the family, so he must know how to do it. You find out that Dad does know a lot and is willing to help you every step of the way. But you have to do the legwork because that’s the best way to learn! Here are tips from the Dads playbook on buying a car: Father and Son Lesson #1: Purchasing a pre-owned vehicle is a smart financial decision. So you should feel good about taking that path. When you buy a pre-owned vehicle, you avoid the huge depreciation that comes right after you ...


To lease or not to lease...


OK, so it's not as important a question as the one Hamlet was trying to answer, but your decision sure can have a big impact on your finances.

But before you read any further, please note that this article addresses leasing by an individual, not a business.

How do you know if leasing makes sense for you, or if you're getting into something you'll regret a few months down the road? A lot depends on being honest about your lifestyle, your finances, and your future plans.

Here are some popular ideas about the benefits of leasing:



  • I get more car for my monthly payment than if I took out a loan

  • I get to drive a new car

  • My vehicle is always under warranty

  • I don't want to have to deal with selling or trading in my vehicle when I'm done with it

  • I ...


Before jumping at either choice, you need to ask yourself how long you intend to keep your vehicle. First Reliance Bank’s low vehicle rates, combined with the rebate may be the best choice. If you're like most people, you trade in your vehicle before the term of the loan is up. A rebate of up to $3,000 is all up front and you receive the full savings benefit immediately. With the 0% financing, it takes years before you realize the full savings. The following example is based on trading your vehicle in after 3 years:

Dealer Financing First Reliance Bank Loan
Loan Rate 0% APR 2.99%* APR
Term of Loan 48 mos. 48 mos.
Vehicle Price $23,000.00 $23,000.00
Down Payment/Trade In $2,500.00 $2,500.00
Negotiated Discount/Rebate - $3,000.00
Amount of Loan $20,500.00 $17,500.00
Monthly Payment $427.00 $387.00
Total Amount Paid at 36 mos. $15,372.00 $13,942.00
Remaining on Loan Balance $5,128.00 $4,573. ...


A lot of us think of Dad as Superman. We just expect him to be there when we need him. We count on his support. He leads us on family outings that make memories for life. He unselfishly sets aside his wants and needs to make sure we realize our dreams. His free time is our time – no matter how little he has. So what do you give a Superman? How do you make him smile? There’s something that doesn’t cost a penny, but could be the most valuable gift you ever give your Dad. It’s time. We live in a busy world. From the demands of work to the pressures and joys of carting the kids from activity to activity, many of us don’t seem to have a moment to spare. In fact, some of us have our days so jam-packed that we can’t even imagine how we ...


Casey Carbery, Assistant Branch Manager at the Charleston First Reliance location, discusses becoming a first time mom in this first in a series of videos. As part of our “Mom’s First” Better Life Program, she’ll share the preparations and steps she’s taken to get ready for the arrival of her new little boy. First Reliance Bank Mom Video

Julius Parris FRB Board of Directors
FLORENCE, South Carolina, December 15, 2011 - Julius (Cass) Parris is now a member of First Reliance Bank’s Board of Directors. Parris, along with other members of the First Reliance Bank board, brings a unique perspective to the development of board policies and goals. He has more than 40 years of business experience, primarily in helping organizations to refine their brands and understand and exceed customer expectations.

"We are proud to have Cass as our newest board member," said Rick Saunders, president and CEO of First Reliance Bank. "Our Board has a good mix of knowledge and experience. Cass brings a great background in business and branding, and he'll be able to add valuable insights into how we are viewed in the community and how we can do better. First Reliance Bank works hard to convey that 'there's more to banking than money' and I’m confident that he will help ...


Kaesi Boyce FRB Scholarship WinnerFLORENCE, South Carolina, December 1, 2011 - First Reliance Bank has announced that Kaesi Boyce of Florence, a student of Francis Marion University, is the recipient of the 2011/2012 First Reliance Bank Scholarship.

The First Reliance Bank Scholarship recognizes and assists outstanding area students who are pursuing a degree in business or finance. Administered through the Francis Marion University Foundation, the scholarship program has been helping area-wide students to meet their academic financial obligations since 2010. Boyce, a business major, is the second student to be awarded the scholarship.

"First Reliance Bank believes in encouraging continuous personal improvement and the Francis Marion scholarship program is one way that we can make a difference with our community's youth," said Rick Saunders, president and CEO of First Reliance Bank. "Making your way through school can be challenging — especially if you're committed to staying at the top of your class. We're proud ...