Reserve Line of Credit

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Cover short-term cash needs and guard against overdrafts with no surprise fees.

Be prepared for unexpected expenses with an affordable Reserve Line of Credit. For added protection, combine your Reserve Line of Credit with Rewards Checking to protect yourself from account overdrafts.

Access your line of credit 24/7 through Web Branch and use it again and again without reapplying.

  • Line limits start at $500
  • Pay interest only on the actual balance
  • Minimum monthly payment is 3% of balance or $15 (whichever is greater)
  • No hidden costs - no prepayment penalties, no cash advance fees, no annual fees, no monthly service fees
  • Optional Payment Protection

Overdraft Protection

Our consumer-friendly Overdraft Protection keeps you covered without the big fees you'll find elsewhere.

If you don't have enough money in your account to cover a transaction:

  • Transfer money from your savings account for free. Learn more about account to account transfers.
  • Or, we'll automatically transfer money from your savings in $100 increments for a $5 transfer fee.1
  • If there isn't enough in your savings, we'll transfer from your Reserve Line of Credit in $100 increments for a $5 transfer fee.

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