Checking Account Overdraft Protection

Visions offers overdraft protection for the checking account in the form of a line of credit. The Readi-Reserve line of credit covers all overdraft situations in the checking account with no fees, and may also be borrowed against for any purpose.  

The limit ranges from $500 to $20,000, and will add a level of comfort in the event that you cannot make a transfer or deposit to the checking account. Once you apply and are approved, the Readi-Reserve is placed on your account. If the line of credit is not used, no fees are charged. If the line of credit is utilized, you may pay back the balance with monthly payments, or with a lump sum payment.  

A loan application must be submitted to request the Readi-Reserve, and you may apply at any Visions office, online while logged into your account, or by phone with Visions Member Services at 800-242-2120  menu option 3,  Mon-Fri from 8:30am to 6pm and Sat from 8:30am-2pm. 

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