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Overdraft Protection Line of Credit

An Overdraft Protection Line of Credit will safeguard you against overdrafts on your Personal Checking Account. Credit Lines start at $500 and are available to qualified borrowers.

If you overdraw your checking account, we will automatically transfer the funds to your checking account from your Line of Credit – end your worries about returned checks and save the expense of costly overdraft fees. There is a $10 fee for each transfer to your checking account.

There is no annual fee for an Overdraft Protection Line of Credit and no interest charges until you actually access the line. An interest rate will only be charged on the amount of credit used. As you make payments, you replenish your available credit and you can borrow again, at any time.

Overdraft Protection Line of Credit Rates

Description APR
Fixed Rate 14.00%

Overdraft Protection Line of Credit Disclosure

This is our standard Annual Percentage Rate (APR). Your APR may be lower depending on your credit qualifications.

The product is an unsecured fixed rate line of credit. Rate applies to Overdraft Protection Lines of Credit between $500 and $7,500 and requires automatic deduction of payment from a Lafayette Ambassador Bank checking account. Subject to credit approval. Minimum credit score of 710 required.

APRs may range from 13.75% to 14.00%.

For information about an Overdraft Protection Line of Credit, please call 1.800.752.8400