Personal Line of Credit
Protect Yourself with Personal Line of Credit
No one likes paying overdraft fees. Avoid them by activating Ready Reserve(1) on your checking account.
But how does it work?
Ready Reserve is a personal line of credit (a short-term loan) that you access through your checking account here at Plains Commerce Bank.
If your checking account balance falls below $0 and you have Ready Reserve, we’ll advance the funds you need to your account to keep it from becoming overdrawn.
We’ll advance those funds in $200 increments up to your approved credit limit. (Limits vary, but usually range from $500 to $2,000.)
There are no annual costs to use Ready Reserve, and you only pay interest if you use it. There’s really no reason not to protect your account.
Protect yourself with a personal line of credit.
All credit and loan products are subject to credit approval.
Please note that it is our policy not to accept loan applications from individuals or businesses located outside of our trade area unless the applicant is a present customer or has made prior arrangements with a bank officer.