Automatic Transfer

• Funds from your Pine Island Bank savings or checking account will be automatically transferred to cover overdrafts in your checking account
  
• Transfers in $100 increments 
  
• $5 automatic transfer charge per transfer

Pine Island Ready Reserve

• Overdraft line of credit
  
• $20 annual fee, plus interest on the credit balances
  
• Advances in $100 increments
  
• Monthly payments automatically debited from your checking account
  
• Option of making additional payments or paying your loan in full at any time
  
• Credit approval required