First Community Bank Ready Reserve   

Even the most careful of us can make an occasional mathematical error that could lead to an overdraft. And besides being embarrassing, overdrafts can be costly!

Our helpful Ready Reserve can help insure that this never happens to you.

Ready Reserve is a line of credit that can not only prevent even the most infrequent overdraft, but can also give you flexibility to handle unexpected emergency situations that may arise.

HOW READY RESERVE WORKS*
*$25 application fee
1. You apply just once for a line of credit.
2. Ready Reserve costs you nothing unless you use it.
3. Every time you need extra money - for any reason - simply write a check. We will make the advance by depositing to your account in multiples of $100 up to your line of credit.
4. To pay your Ready Reserve in full all you need to do is instruct us when you make your next deposit. If you prefer to pay in monthly installments, we will automatically charge your account for a payment of 5% of your loan account balance or $15, whichever is greater.
5. Ready Reserve is not meant to replace conventional loans over extended periods. It is a money reserve designed to eliminate our overdraft worries and provide a source of instant money at times when your checking account is low.