Ideal for any individual with a Bank of Akron checking account. This line of credit is used to cover overdrafts on checking accounts.

  • Provides emergency coverage in the event of an overdraft
  • Line limits customized to the customers’ needs
  • No annual fee
  • Minimum payment is $25 or 1/24th of the principal balance plus interest, whichever is greater
  • Serves as overdraft protection when the customer overdraws their checking account. The bank will draw on the ready reserve in increments of $100 to cover the overdraft


  • Loan based upon borrower’s credit quality
  • Does not cover overdrafts resulting from the use of a debit card
  • Individual must be 18 years of age
  • Checks are not issued with this account. This is not a personal line of credit, it is overdraft protection only.