Personal Reserve Account

The Personal Reserve Account (PRA) advances a loan in the exact amount of a checking account overdraft, eliminating the nuisance of returned checks and overdraft fees. The advances are repaid automatically each time deposits sufficient to repay the advance, are made to the checking account.

The PRA is included as part of Checking Plus and Premium Checking and is available with Simply Free Checking for an annual fee of $52.50. To apply, simply contact a personal banker.