Line of Credit Overdraft Protection Line of Credit is an automatic loan that is generated in the event that your checking account is overdrawn. Line of Credit is subject to approval. Benefits: Line of Credit is a loan that automatically transfers funds to your checking account in case of an overdraft. An overdraft fee is avoided when this transfer is made A notice is mailed to notify you of the transfer Transfers are done in $100 increments This service is not available on the Free Checking Account Low annual fee of only $20 per year Line of Credit is subject to approval by a loan officer Please click here for contact information on a loan officer that would be happy to assist you with this great service.