Personal Line of Credit

NEBAT's Personal Line of Credit (PLC) is exclusively for existing checking account customers. With a personal line of credit, you can protect yourself from embarrassing CheckCard declines and expensive overdraft fees.

Start the application process. Follow the link below to complete the fillable pdf form* and take the completed application to your local NEBAT office.

*PDF forms function best on a desktop computer and are not recommended for mobile or tablet devices.

Personal Line of Credit Application

Extra money when you want it

With a personal line of credit, you have accesses to funds up to a pre-approved limit that you can advance as you need them.
A Personal Line of Credit also protects against embarrassing overdrafts and expensive overdraft fees by automatically transferring funds to your account when transactions exceed your balance (up to the amount of your pre-approved limit).
Funds will automatically be transferred to your checking account in increments of $100, up to the amount of your pre-approved limit, when the transactions on your account exceed the available balance.
Repaying your personal line of credit is easy. A monthly payment — $25 or 5% of the balance, whichever is greater — will be deducted automatically from your account balance. The payment amount includes payment of principal and interest. Subtract this amount from your checking account balance.
Additional payments may be made directly to a Personal Line of Credit through Exchange OnLine or in person. Detailed interest, fee and payment information is disclosed on the application.