A line of credit is designed for those who want to make sure they always have enough money on deposit to cover any check they write. You can apply for a pre-approved credit line. This eliminates embarrassment if you make an error in your check book or forget to make a deposit. This pre-approved credit line automatically makes a deposit to your account to cover any overdraft up to the amount of your available credit. There is no transfer fee, plus it saves you from costly overdraft fees and returned check charges. *Subject to credit approval.