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Ready Reserve

Use a First Merchants line of credit as an automatic backup to your checking account. Subject to credit approval.

How it works:

If your account is overdrawn, we will transfer funds from your credit line to cover the negative balance.


Three items totaling $325 are presented against your account with a balance of $45. We would transfer $280 from your Ready Reserve credit line and approve the items, leaving you with a balance of $0 in your account. 


  • We will begin charging interest on the amount you borrow the day that funds are deposited into your account.
  • Normal overdraft practices apply after credit limit is exceeded.
  • Variable interest rates, annual fee $50 - please ask for details.