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Ready Reserve Line of Credit

Ready Reserve Line of Credit protects your checking account from overdrafts and simplifies small, short term loans.  Please feel free to contact our experienced personal banking team to guide you through and help you understand the details.


  • Competitive interest rates
  • Unsecured – no collateral
  • Saves overdraft charges and the embarrassment of returned checks
  • Automatically deposits money into your checking account in $100 increments when overdrawn or when the balance falls below the minimum required

Automatic Payment Plan

  • Automatic payment from checking account based on outstanding balance
  • Monthly payment will be $25 for each $500 outstanding

This chart is an example of the repayment information –

Outstanding balance  Monthly payment
under $500 $25.00
$500 – $1,000 $50.00
$1,000.01 – $1,500 $75.00
$1,500.01 – $2,000 $100.00