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Cash Reserve Line of Credit

Eastern Bank offers a Cash Reserve Line of Credit of up to $15,000 for the rare instances when you overdraw your account. While the best way to minimize the possibility of an overdraft is to actively monitor your Eastern Bank account to ensure you have sufficient funds, this convenient line of credit can help provide the protection you need.1

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a man and woman discussing their finances with an Eastern Bank banker

Features & Benefits of a Cash Reserve Line of Credit from Eastern Bank

With a Cash Reserve Line of Credit, you'll enjoy these benefits:

  • Protection from unintended overdrafts
  • Flexibility to apply for a line of credit from $1,000 to $15,000
  • The option to have your payments automatically deducted from your checking account

Please view the Cash Reserve Agreement and Account Opening Disclosure

(1) For the transaction to be covered and to avoid an overdraft or insufficient funds fee, the Cash Reserve Line of Credit from Eastern Bank must have a sufficient balance to cover the overdrawn amount. 

Eastern Cash Reserve Line of Credit
 

The annual percentage rate (APR) is what credit costs a borrower each year, expressed as a percentage of the loan amount.

Consumer loan rates effective 11/15/2026. 

How to Apply for a Cash Reserve Line of Credit from Eastern Bank

Applying for a Cash Reserve Line of Credit from Eastern Bank is easy:
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A customer at an Eastern Bank branch counting money that was handed to her by the bank teller

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