Overdraft Protection 

This unsecured line of credit protects against overdrafts in your checking account. If the balance falls below $0, funds are automatically transferred from a pre-approved credit line ($300 - $3000) in increments of $100. There are no extra forms to fill out. 

Chek-Credit also allows you to write yourself a loan whenever you need it. Simply write a personal check for any amount up to your available credit limit regardless of the balance in your checking account. (If you do not wish to use the online application below, please visit any of our branches.)


Available when needed: 

  • Convenient, "ready-to-use" credit 
  • No collateral required 
  • Use as often as needed, up to individual credit limit
  • No annual fee
  • A $5.00 advance fee will be assessed for each transfer from Chek-Credit to the associated checking account

*Variable interest rate