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Credit Reserve

The First Choice for Overdraft Protection

Credit Reserve

Overdraft protection that is cheaper than our other options

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With Credit Reserve, your charges will be covered to help you avoid overdraft fees and embarrassing situations. It's a line of credit that advances automatically to cover shortages in your checking account. You pay interest on the amount you use but there are no transaction fees.

What is Credit Reserve?
Credit Reserve is an open-ended line of credit that allows you to avoid overdraft and returned-check charges if you use more money than is in your checking account.

How does Credit Reserve work?
Whenever you make a purchase using your debit card or write a check and your checking account drops below zero, funds from the Credit Reserve account are transferred to your checking account, thereby avoiding overdraft and returned-check fees. You must pay back the money borrowed from the Credit Reserve line of credit either with monthly payments or you can pay the balance in full each month.

How much does Credit Reserve cost compared to other overdraft services?
Credit Reserve is an open-ended line of credit that allows you to avoid overdraft and returned-check charges if you use more money than is in your checking account.

Credit Reserve One-Way Sweeps Bounce Protection
Fee per transfer or advance N/A $5 $25*
Application and credit approval required Yes No No
Annual Percentage Rate (APR) 15.00%† N/A N/A
APR for cash advances N/A N/A N/A
Automatically enrolled? No No Yes ‡
Can I opt out? N/A N/A Yes

How do I get Credit Reserve?
Apply Online
Or download a Credit Reserve application and submit it today.

*The fee may be imposed for overdrafts created by check, in-person withdrawal, fees, or electronic transactions other than ATM or one-time point-of-sale transactions. It may also be imposed for overdrafts created by ATM or one-time point-of-sale transactions if you have opted in to that service. You must bring your account to a positive balance, including the payment of Bank fees charged to your account, at least once every 30 days. We will not pay an overdraft if:

  • Your account is not in good standing (defined as making regular deposits and bringing your account to a positive balance, including payment of all Bank fees charged to your account, at least once every 30 days)
  • There are legal orders, liens, or levies outstanding
  • Your overdrawn balance would exceed the predetermined amount assigned to your account type

†The information about the costs of the services described on this page is accurate as of 09/06/2017. This information may have changed after that date. To find out what may have changed, call us at (800) 815-BANK (2265).

‡ Only for those 18 years or older.