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Why worry about overdraft fees?

With an overdraft protection line of credit, you gain protection when your checking account balance gets low. The InstaLine account is activated if a check purchase, debit card transaction, automatic deduction or other purchase drops your checking balance below zero.


  • Advances in increments of $100 to cover overdrafts on a checking account
  • 13.99% fixed APR (annual percentage rate)
  • $30 fee assessed annually
  • $10 fee assessed if credit limit is exceeded
  • Amount-due statement sent with monthly checking account statement
  • 5% of current balance or minimum payment of $10 due monthly

View Terms and Conditions of Deposit Accounts (PDF)

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