An overdraft line of credit is a loan attached to your checking account. If you spend all of the money in your checking account, or have an emergency, you can borrow against your overdraft line of credit. Instead of bouncing checks or having a purchase declined and paying large fees, you can borrow a few dollars at a time to cover the transaction.
Transfers from your overdraft line of credit happen automatically to clear checks or process transactions. If you know in advance you will need money from your overdraft, you can transfer funds in Home Banking. Low fixed interest rates, no annual fees and low monthly payments make it an easy way to protect your checking account from unnecessary fees.