Lines of Credit

Benefits

Have peace of mind knowing that our staff is dedicated to you and helping you achieve your goals. With our competitive interest rates, local underwriting, processing, and our personalized tailored approach; everything we do is always Meant for You.

Enjoy convenient and flexible lending terms that meet your specific needs based on the goals you’re trying to accomplish.

Easy access to your line of credit. On the go or online we make accessing your available credit easy with Line of Credit checks or available online bank transfers. We’re here for you when you need us most.

Our Products

Our International Products

International Customer?

YES N0

Unsecured Lines of Credit

Ideal for financing ongoing expenses & major purchases.

No Minimum / Maximum = $150,000

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Overdraft Protection

Overdraft protection for transactional accounts to existing customers of the Bank.

Minimum = $2,500 / Maximum = $5,000

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Securities Secured Lines of Credit

Ideal for financing ongoing expenses & major purchases secured by your investments.

Terms: No Minimum / No Maximum
Marketable Securities used as collateral must remain pledged for the term of the Line of Credit

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International Secured Lines of Credit

Ideal for financing ongoing expenses & major purchases secured by a Certificate of Deposit.

Terms: $10,000 Minimum / No Maximum
Certificate of Deposit used as collateral must remain pledged for the term of the Line of Credit

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International Securities Secured Lines of Credit

Ideal for financing ongoing expenses & major purchases secured by your investments.

Terms: $25,000 Minimum / No Maximum
Marketable Securities used as collateral must remain pledged for the term of the Line of Credit

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Important Legal Disclosures and Information

USA PATRIOT Act

To help the government fight the funding of terrorism and money laundering activities, the Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What does this mean for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

Know Your Customer

Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.

Important Legal Disclosures and Information

USA PATRIOT Act

Important Information Related to the W-8 Form

The IRS implemented different W-8 forms for individuals and entities. For more detailed information regarding the W-8BEN and W-8BEN-E, visit www.irs.gov.

Please complete the form(s) below:

W-8 for Individuals (Personal Accounts W-8BEN)
In accordance with U.S. Internal Revenue Service – IRS regulations, the Bank is obligated to withhold taxes on U.S. interest to foreign customers unless it has received a properly completed Substitute Form W-8BEN “Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding” from the customer. All Substitute Forms W-8BEN are registered and maintained in the Bank’s files. Please follow the link to the Substitute Form W-8BEN.
Explanation of Missing Foreign Tax Identifying Number. Form to be completed when customer does not provide a Foreign Tax Identifying Number in the W-8BEN form. Please follow the link to the FTIN Form.

Know Your Customer

Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.