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System maintenance is scheduled from 11:00 PM on Saturday, Feb 24 to 11:00 AM on Sunday, Feb 25 (Central Time) to improve processing power and increase capacity for data storage. This affects all debit card customers and online/mobile banking users. We apologize for any inconvenience. Posted 2/22/18

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.


  • $35 annual fee
  • Interest rate and APR 18%
  • 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 balance falls below minimum required

Automatic Payment Plan

  • Automatic payment from checking account based on outstanding balance
  • Choose the date when your payment is deducted from your account
  • Monthly payment will be $25 for each $500 outstanding
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