Checkline Reserve

Access the funds you need with a personal line of credit


  • Large limits available with competitive interest rates for your specific needs
  • No annual fees
  • Convenient, anytime access to your available funds—just by writing a check
  • Link to your First Citizens checking account for overdraft protectionD
  • Minimum monthly payments based on outstanding balanceD
  • No collateral required
  • No prepayment penalties

Apply for a personal line of credit and access the funds you need when you need them most, for any kind of expense.

Account openings and credit are subject to bank approval.

This application is not available for Wisconsin residents. Please call us to apply or visit your local branch.

When used for overdraft protection, the amount advanced to your First Citizens checking account to cover the incoming items is rounded to the next highest $100.

Monthly minimum payment of 5% of outstanding balance or $20, whichever is greater.

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.