Indigenous Peoples’ Day / Columbus Day - Our offices will be closed October 12th in observance of Indigenous People's Day.

Indigenous Peoples’ Day / Columbus Day - Our offices will be closed October 12th in observance of Indigenous People's Day.

Personal Lending

Ready Cash Reserve

Flexibility. Peace of mind. This overdraft line of credit is there when you need it.

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Whether it's saving you from the headaches of returned checks and non-sufficient funds fees, or adding a little extra spending power to your budget – a Ready Cash Reserve line of credit will keep you covered and confident.

The Details

Coverage	This line of credit is linked to your checking account to protect against overdrafts.
Line Amount	Upon credit approval, an established limit is approved for your Ready Cash Reserve. Credit limit of $5,000.
How does it work?	When a balance falls below zero, an advance is automatically transferred from the RCR line in increments of $100 to cover the shortage¹.
Payments	Automatic payments deducted from your checking account.
Fees	$25 annual fee²
Annual Percentage Rate (APR) for Advances	18.00%

Have any questions?

We're here to help.

Schedule an appointment ATM & branch locations Call us at (805) 963-7511

Additional Services

Ready to explore? Here are some more great options we think you'll love.

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Personal Credit Cards

Whether you're looking for flexible rewards for everyday spending or to build or rebuild your credit, your card is waiting.

Personal Savings

Save for the future, today! From Savings to Money Markets - we've got several options for you to choose from.

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Fraud Protection Tools

Your security is important to us. Check out the tools we have in place to protect your sensative information.