You may apply by mail, fax, phone, in person, or you can APPLY ON-LINE. Click for contact information. It’s that easy! So, don’t wait until the need for the Overdraft Protection line of credit comes up and you don’t have it!

Should checks attempt to clear without sufficient funds available to do so, money will automatically be pulled from the Overdraft Protection line of credit if it is available. Funds will be transferred in $50.00 increments to cover the overdraft amount plus the $5.00 fee. Payments will be made automatically from your checking account on the 25th of the month, beginning on the month following the initial transfer. These payments will be in the amount of $20.00 until the Overdraft Protection line of credit is paid in full.

All lines will be for a maximum of $1000.00 at a fixed rate of interest of 12% APR*. It doesn’t cost anything to have the line of credit available, the only fees involved will be if you access the line of credit by over-drafting your checking account. A fee of $5.00 will be assessed for each day that the line is accessed. Transfers to cover the overdraft amount will be made from the Overdraft Protection line of credit to the checking account in increments of $50.00 to cover both the overdraft amount and the access fee. A full increment of $50.00 must be available for transfer.

*APR=Annual Percentage Rate

An Overdraft Protection line of credit protects your checking account from fees obtained due to insufficient funds. Plus, you won’t have to worry about the embarrassment of being turned down for a purchase due to insufficient funds.

An Overdraft Protection line of credit protects your checking account from returned checks due to insufficient funds available. Because this is a loan line of credit, this must be applied for and approved.