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Cash Reserve Loan

Forget overdraft fees, even if you overlook a transaction or two, with a First Citizens Cash Reserve Loan. Rather than transfer funds from one account to another, we'll automatically issue a cash advance if your balance gets a little too low. Rest assured your costs are covered!

  • Competitive rates for overdraft protection
  • Interest is calculated daily based on the unpaid Cash Reserve balance
  • Automatic cash advance transfers to your FCNB checking account in the event an overdraft occurs*
  • Funds available anytime without reapplying
  • Eliminate overdraft fees

*Many of our checking accounts may have a cash reserve. Please consult a bank representative for more details.