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CARES Act, Financial Relief and Employment Assistance

March 31, 2020

Much has happened over the past several days related to the COVID-19 pandemic response. The coronavirus stimulus package, the CARES Act, was signed into law, and nationwide social distancing guidelines have been extended to April 30. Yesterday, Governor Bill Lee, issued a Safer-At-Home Order for the state of Tennessee, urging Tennesseans to stay in place and restricting operations of non-essential businesses.

As an essential business with a special responsibility to continue operations, Reliant’s commitment is to continue providing vital banking services to our customers and communities as we move through and adjust during these unusual times. We continue monitoring CDC guidelines to help support a healthy environment for our employees and customers and will communicate any updates or changes that may impact our customers and communities.

The CARES Act offers assistance on several fronts. However, we understand that many are facing financial stress and struggles today, in addition to worrying about the health and safety of themselves and loved ones. If you have concerns, we encourage you to call your banker to see how we may assist.

CARES Act, Financial Relief and Employment Assistance

On March 27th, the CARES Act, a $2 trillion federal coronavirus stimulus package, was signed into law. Following are highlights of the act along with additional resources.

  • One-time $1,200 check to each individual making $75,000 or less annually, and a sliding scale (downwards) for people making between $75,000 and $99,000 per year. Married couples with no children who earned $150,000 or less annually, will receive a payment of $2,400. Families with children will receive an additional payment of $500 for every child age 16 or under.
  • Federal student loan payments will be waived until September 30.
  • Unemployment benefits are expanded from 26 weeks to 39 weeks and freelancers and gig workers would qualify for the first time.
  • Internal Revenue Service (IRS) will delay federal tax filings until July 15, and offers advice for deducting COVID-19 costs from your taxes.

Paycheck Protection Program

This program will provide 100% federally guaranteed loans to small businesses, which may be forgiven if borrows maintain payrolls during the crisis or restore their payrolls afterward. Learn more at: https://www.uschamber.com/co/run/business-financing/sba-disaster-assistance-loans-guide.

Tennessee Talent Exchange

The state of Tennessee, Tennessee Grocers and Convenience Store Association, Tennessee Retail Association, and Hospitality TN have created the Tennessee Talent Exchange powered by Jobs4TN.gov. The goal of the exchange is to quickly match Tennesseans who are out of work due to COVID-19 with companies currently experiencing a surge in business and making immediate hires.

Companies Hiring in Middle Tennessee

The Tennessean is compiling an ongoing list of businesses hiring now.

As we continue to cope and adapt to our new circumstances, we remain committed to serve our customers and communities and provide the support and financial access you need.

Stay healthy,

DeVan Ard, Jr.

DeVan Ard, Jr.

Chairman, President and CEO

CDC Self-Assessment Tool

March 20, 2020

The CDC has launched a new self-assessment tool that guides users through a list of questions to determine their risk of infection. If the user is determined to be at risk, they are connected to additional resources and medical professionals.

Click here to access the self-assessment tool.

CDC guidelines recommend calling your doctor if you think you have been exposed to COVID-19 and develop symptoms, including fever, cough or difficulty breathing. Symptoms may appear 2-14 days after exposure.

To help prevent the spread of this virus follow these CDC guidelines:

  • Avoiding close contact with those who are sick.
  • Covering coughs and sneezes with a tissue – then disposing of the tissue
  • Avoid touching eyes, nose and mouth
  • Cleaning and disinfecting frequently-touched objects and surfaces
  • Washing hands often with soap and water for at least 20 seconds
  • Staying home if sick – except to get medical care.

Again, we are closely monitoring any new developments and will provide alerts with any critical information as new information arises.

 

COVID-19 Branch Operations Alert

March 18, 2020

During these unprecedented times, we are following CDC social distancing guidelines and taking proactive steps to help reduce the spread of the coronavirus (COVID-19). Please know the health and well-being of our customers, our employees, and our communities is our top priority, and we are closely monitoring the pandemic.

  • Effective Wednesday, March 18, 2020, Reliant has temporarily adjusted lobby hours at our Chattanooga branch to 9:00 a.m. – 2:00 p.m.
  • We have temporarily closed the East Main branch, located at 425 East Main Street in Gallatin, Tennessee, for deep cleaning.  We plan to reopen drive-thru services at this branch as quickly as possible.
  • Effective Friday, March 20, 2020, we will temporarily close all Reliant branch lobbies to appointment only. To schedule a branch appointment, please contact your local banker during bank business hours. Prior to scheduling a branch appointment, we ask you to let us know if you have traveled out of the state in the past two weeks, are experiencing flu like symptoms or fever, have been asked to self-quarantine, or have come into contact with anyone who has.
  • Branches with drive-thru access will continue to provide service as usual.

We strongly encourage you to access the digital tools and alternative banking options below. We are advising customers who can access these options to please consider them as a first option. That way, we can all take part in minimizing the spread of COVID-19.

  1. 24/7 Mobile App – Account access connecting you to multiple banking services.
  2. Online Bill Pay – Web-based payment portal accessed via mobile app and desktop browser.
  3. 24/7 ATMs – Available at every Reliant Bank location and more than 32,000 surcharge-free ATMs nationwide through the MoneyPass® network.
  4. Tap-To-Pay – Apple Pay®, Google PayTM or Samsung Pay® via your connected Reliant Bank account. Use your smartphone to pay at participating merchants to avoid contact with high-touch surfaces.
  5. Debit Card/Credit Card – Remote purchasing capabilities if you are staying at home.
  6. 24/7 Telephone Banking – Access account functions directly from your phone.
  7. Online Banking – Desktop or mobile access allowing you to check balances, view statements, transfer funds, and other tasks.

If you have not enrolled in our online banking services, click here to enroll.

For now, we are doing everything we can to make sure each Reliant Bank location is a safe place to do your banking. And we ask you to do your part as well.

To help prevent contamination of others, follow these guidelines:

  • Wash your hands frequently or use hand sanitizer while out in public.
  • Cover your nose and mouth when you cough or sneeze.
  • Keep your distance from people who are coughing or sneezing.
  • Avoid touching your eyes, nose, and mouth – especially if you have not washed your hands.
  • If you are feeling symptoms, avoid going out but seek medical care if necessary.

Learn more

We also understand there may be instances where our customers may find themselves facing financial difficulties during this time. Reliant Bank is here to help, so we encourage anyone who may be impacted to reach out to discuss how we might be of assistance.

Our goal is to make sure there is no interruption in our ability to service you during these temporary measures.  Should you have any questions or concerns, please give us a call.

 

 

An Open Letter About COVID-19 [Coronavirus]

March 13, 2020

Dear Valued Customers,

Reliant Bank recognizes the threat we all face regarding COVID-19, otherwise known as the coronavirus. Along with other organizations across the globe, we are approaching this situation with caution.

We are here to help you understand and navigate these uncertain times. We expect the impact to be felt in multiple ways, including financial market volatility. Please know we are closely monitoring daily developments and have created a detailed plan to ensure the banking services we provide to you are not disrupted.

First and foremost, we have put significant effort into ensuring that our employees are following CDC recommendations and common-sense hygiene measures. As part of our preventative measures, we are sharing helpful tips and providing respected resources so you can learn and do more to protect yourself and others from spreading illness.

What Can You Do?

Here are some important steps you should take to avoid illness and help minimize this emerging public health threat:

  • Wash your hands thoroughly and often – both front and back of hands and wrists – using soap and water for at least 20 seconds. Be especially diligent if you’ve touched someone you know is sick. If soap and water are not available, you may use an alcohol-based hand sanitizer to get similar results.
  • Avoid close contact with people who are experiencing symptoms of flu or other respiratory diseases. Stay at least 6 feet away from others who are sick. The virus can be spread through touch and via coughing or sneezing.
  • Avoid touching your eyes, nose, or mouth with unwashed hands.
  • If you have symptoms, cover your coughs and sneezes by using the bend of your arm (elbow) or using disposable tissues and immediately discarding them in the trash.
  • Clean and disinfect frequently touched objects and surfaces. If you are in a public setting, thoroughly wipe down surfaces with a bleach solution or pre-sanitized wipe prior to touching.
  • Stay home if you are sick. If your symptoms worsen, consult a healthcare professional about self-quarantining and next steps.
  • If you show signs of illness, avoid close contact with elderly family members and friends or those with compromising conditions who make up a large part of the most vulnerable population.

Coronavirus Education & Resources

The following resources are available for background, FAQs, and up-to-date information:

From the U.S. Center for Disease Control:

From the World Health Organization:

From Reliant Bank:

Tennessee Department of Health

How Reliant Bank is Helping to Protect You

We are working hard to help reduce exposure. Here are a few ways we’re addressing the issue:

Locations

We have added extra supplies to each of our banking locations, including hand sanitizer, surface disinfectant, and gloves. Also, our cleaning services partners have pledged to adapt daily cleaning services to provide added disinfectant for high-touch, high-traffic surfaces.

Proactive Employment Policies

We provide generous time-off policies and additional guidance for our employees if they exhibit symptoms of coronavirus or other contagious diseases, are at risk due to recent travel, or have been directly exposed to the virus.

We’ve temporarily adjusted our work-from-home policies in the event employees must work from home, so we can continue supporting critical financial services such as ACH transactions.

In addition, we are restricting non-essential employee business travel to help prevent exposure.

Education

​​We have provided CDC recommendations to our employees so they may understand effective ways to stop the spread of germs.

We understand how much you depend on us for critical financial services and you are welcome to continue visiting our locations to conduct your business. If you are feeling sick, consider using our mobile app, drive-thru, or telephone banking instead of visiting your local branch. Should the situation change, we will have important updates and alerts about any changes in operating hours. Stay connected through this website and social media.

Rely on us to help keep you safe and protected.

Your friends at Reliant Bank

COVID-19 Alert

March 6, 2020

At Reliant Bank, the well-being of our employees and customers is of utmost importance. And like organizations and individuals across the country, we are closely monitoring the current status of COVID-19 (coronavirus).

We understand that it’s unnerving to learn that the coronavirus has made its way to our community and want to assure you that we are taking proper precautions.

In addition to ensuring that our employees are following CDC recommendations and common-sense measures, we want to share these tips that may be taken to avoid illness and help respond to this emerging public health threat:

  • Wash your hands often using soap and water for at least 20 seconds, especially after you’ve touched someone who is sick. If soap and water are not available, use an alcohol-based hand sanitizer.
  • Avoid close contact with people who are experiencing symptoms of flu or other respiratory diseases.
  • Avoid touching your eyes, nose, or mouth with unwashed hands.
  • If you have cold and cough symptoms, make sure to cover your coughs and sneezes by using the bend of your arm (elbow) or using disposable tissues and immediately disposing of them in the trash.
  • Clean and disinfect frequently touched objects and surfaces.
  • Stay home if you are sick.
  • Stay away from others who are sick.

The following resources are available for up-to-date information.

Debit Card Alert:

Reliant Bank takes every precaution to protect your accounts. Because of recurring fraud, Reliant Bank declines foreign debit card transactions and places a temporary hold on the card to prevent unauthorized activity on the account. When a hold is placed, you will be unable to use your debit card until you confirm the purchase is authorized by calling 1-800-262-2024 – 24 hours a day, 7 days a week.

To prevent this from occurring, please let Reliant Bank know when you plan travel to foreign countries.

Skimmer Alert:  

There is an increased amount of debit card fraud among our cardholders.  We believe skimmers are the cause of most of this fraud.  A skimmer is a device placed on an ATM, gas pump, or similar machine where a debit/ATM card is swiped.  When the card is swiped it passes through the skimmer and on to the actual card reader, therefore providing the criminal with all debit card info from the magnetic strip.  The cardholder is unsuspecting because their transaction completes successfully.  The criminal then removes the skimmer once it has gathered numerous cardholder’s information and in turn conducts fraudulent transactions against those cardholders.

Please be cognizant when swiping your card at ATMs and gas stations.  If anything looks suspicious or out of the ordinary, please do not use that terminal.

How to Protect Yourself From Fraud

• Your Debit Card – Reliant Bank works with our debit card provider to minimize our customers’ fraud exposure.  Our provider has a Fraud Management Team which monitors our customers’ accounts to assess any suspicious activity.  From time to time you may receive a call regarding your account activity.  This is a protective measure in order to verify transactions on your account.  The Fraud Management Team will never ask you for your account number, debit card number or PIN.  If you are contacted by the Fraud Management Team and still have questions about your account, please contact your Reliant Banker for assistance.

• Protect Yourself from Skimmers - A skimmer is a device placed on an ATM, gas pump, or similar machine where a debit/ATM card is swiped and is designed to steal customer information.  More info

• Protect Yourself from Phishing - Phishing is a tactic scammers use to obtain customer information by crafting an email which looks like it is being sent from a legitimate organization, but when in fact it directs you to a bogus website to download malware and/or viruses or attempts to entice you to reveal sensitive personal information.  More info

• Protect Yourself from Vishing - Vishing is another tactic scammers use by leaving a voice message on your phone with instructions to call, often times, a toll free number where they request credit card numbers, PINs and other sensitive personal information.  More info

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