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Navigation Path: Home > Personal Services > Checking > Overdraft Protection Larger Type|Smaller Type|Print

Overdraft Protection

Checkline Reserve®

In case of an emergency or accidental overdraft, Checkline Reserve can be a lifesaver. Just write a check and write yourself a loan—anytime, anywhere.

  • Get an automatic line of credit built right into your checking account to cover overdrafts.
  • Use your own checks or make a loan directly from your reserve account with special Checkline Reserve checks.
  • There is no charge to establish a Checkline Reserve—finance charges only accrue when you use it.
  • Funds are advanced to your checking account in increments of $100.

Checkline Reserve Plus*

This has all the advantages of Checkline Reserve, plus larger lines of credit are available at lower interest rates. The variable interest rate you pay is based on the amount of credit line approved and is tied to First Citizens' prime rate.

Apply online for Checkline Reserve

 
Normal credit approval applies on all checking accounts, loans, lines of credit and credit cards.
* The prime rate used to determine your APR is the First Citizens Bank prime rate on the last business day of the previous calendar month.
Member FDIC Equal Housing Lender