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Overdraft Lines of Credit

Easy Borrowing

With Easy Access, you just write a check when you need money. Cash will be added to your account in multiples of $100, up to your established credit limit of $500 to $5,000.


Easy Payments

Monthly payments can be deducted from your checking account or you can pay off your full balance whenever you wish, with no prepayment penalty. Borrow only what you need, when you need it, at only 17.5% Annual Percentage Rate. There are no fees for using "Easy Access".


Overdraft Protection

Since cash is advanced whenever your balance falls below zero, you'll never have the embarrassment of accidental overdrafts. You're covered.


Automatic-Transfer Overdraft Protection

Overdraft Protection

Use your Savings, Checking or Money Market account(s) to protect your other Checking or Money Market account(s) from Insufficient Funds (NSF) or Overdraft situations.


Insufficient Funds Transfer

Authorize Presidential to transfer funds from your deposit account(s) to your checking or money market account(s) with insufficient funds. Transfers will be debited in priority order in multiples of $100.00 until the overdraft is covered, providing funds are available in the selected account. There is only one fee of $5.00 per transfer, regardless of the amount required for the overdraft.


Presidential Bank's Privacy Policy.

Last Modifications: 1/25/2018 2:43:51 PM