For the 'Oops' Moment

We know mistakes happen and we understand. That's why we have the Personal Line of Credit as an added layer of protection against overdraft fees. And trust us... We take your protection as serious as Mom.

Here's How it Works

The Personal Line of Credit is designed specifically to use when your checking account gets overdrawn. It's an extra layer of protection in case you make a mistake with your checking account. Here are the facts:

  • Credit Limits of $250-$2,500
  • There is a $5 fee to use it, but if you're Emerald Checking Level 4, the fee is waived.
  • Transfers Automatically in $100 Increments
  • Payment Transfers from Primary Checking on the 1st of Every Month
  • If it's not Used, No Payment is Due
  • Transfer Manually via Mobile Banking Before the Account goes Negative
  • 18% Annual Percentage Rate

If you'd like to use this extra line of protection against overdrafts, give us a call at 217.875.2301. You can also Live Chat with us and we'll get you set up!

Checkbook Balancer

Balancing your checkbook is no fun. We've at least made it easier for you!

Spare Change Round Up

We'll round up your debit card purchases to the nearest dollar and deposit the money in the savings of your choice. Save without even trying!

Emerald Checking

A checking account that rewards you for deepening your relationship with us. Because who doesn't love rewards?