An unexpected expense or a payment that arrives before payday can put your checking balance under pressure. CheckingPLUS is an unsecured line of credit linked to your 1st Naitonal Bank account. If you’re approved, available credit can help cover eligible transactions when your balance is short.
When an eligible transaction would overdraw your linked checking account, funds are advanced from CheckingPLUS in $50 increments, up to your available credit limit. You repay what you borrow, plus applicable interest and charges, according to your credit agreement. Your loan payment is deducted automatically from your checking account each month.
CheckingPLUS can also provide access to your credit line for other borrowing needs, subject to your agreement and available credit.
Available credit may help you avoid an overdraft fee when a covered transaction exceeds your checking balance.
Once approved, you can borrow up to your available limit without applying for a new loan each time.
CheckingPLUS is an unsecured line of credit.
CheckingPLUS is reported to a credit bureau. How you manage the account may affect your credit history.
| Feature | CheckingPLUS |
|---|---|
| Credit line | $500 – $5,000, subject to approval |
| Linked account | 1st National Bank checking account |
| Advances for eligible purchase | In $50 increments, up to available credit |
| Collateral | None |
| Repayment | Automatic monthly deductions from your checking account |
Download the one-page application and return it to a 1st National Bank banking center, or mail it to:
1st National Bank
P.O. Box 119
Lebanon, OH 45036
CheckingPLUS is a line of credit linked to your 1st National Bank checking account. If an eligible transaction would overdraw your account, funds can be advanced in $50 increments, up to your available credit limit.
No. Coverage depends on the type of transaction, your available credit, and your account terms. Some transactions may still be declined or result in an overdraft fee.
Interest applies when you use your credit line, and other charges may apply. Your credit agreement will explain your rate, fees, and repayment terms before you accept the line.
Download the one-page application and return it to a 1st National Bank banking center, or mail it to 1st National Bank, P.O. Box 119, Lebanon, OH 45036
Still have questions? Have us contact you.
CheckingPLUS is subject to credit approval. Advances depend on available credit and the terms of your agreement. Interest and any applicable charges may apply. CheckingPLUS may not cover every transaction or prevent every overdraft fee. Review the credit agreement for rates, fees, repayment terms, and covered transactions. Member FDIC. Equal Opportunity Lender. 1st National Bank NMLS# 807212.