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Non-Sufficient Funds/Overdraft Line of Credit

Provides coverage for bounced checks and helps avoid the associated fees

  • Lines between $500 - $25K (max includes all personal loans)
  • No annual, processing or servicing fees
  • Eligible for Smart Money Rewards discounts**
  • Monthly fixed rate payments based on the outstanding borrowed balance, which lowers as you pay it off

In the case of an overdraft (we know it happens, even if you're very careful) our line of credit advances the money necessary to cover your purchase or withdrawal, up to your credit limit.

You can also use the line of credit as a personal line. Write a check, transfer from e-Branch or withdraw funds at an ATM against the line of credit, whenever you need it.

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*Rates may vary based on credit worthiness

**The Smart Money Rewards rate on loans reflects a 0.25% discount on published loan rates and requires Smart Money Rewards membership with the automatic payment method of repayment. If you discontinue Smart Money Rewards during the term of the loan, your discounted rate will no longer be valid, and it will revert to the prevailing rate at the time of the loan open date. To qualify for Smart Money Rewards, we must receive your net pay, pension, or Social Security via direct deposit in excess of $100. If at any time your Checking Account is closed or becomes inactive (zero transaction[s] within the past 90 days or direct deposit is cancelled), the rate will be increased by 0.25%. Direct deposit must be set up within 90 days of loan closing date. One or more direct deposits must post and clear to the checking account within each monthly statement cycle.

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