A ready reserve account is a pre-approved line of credit that works automatically with your checking account. It can be used to cover overdrafts and avoid overdraft (NSF) charges. It also provides a flexible cash reserve that you can use for emergencies or unexpected expenses.

The ready reserve account is a simple-interest loan, with no set-up charge*. All loan advances are activated in $50 increments. The interest accrues on a daily basis and you are charged only on the amount of cash used for the length of time you need it.

Please contact one of our loan officers for more information, including how to apply for a Ready Reserve Account.

*$10 annual fee applies, 16.9% APR. APR = Annual Percentage Rate.