The Cash Reserve is a personal line of credit attached directly to your checking account. If your checking account runs short of available funds to cover transactions, funds are automatically advanced from the available credit in your Ready Reserve.

In addition to avoiding service charges on returned checks, your Ready Reserve gives you increased purchasing power and greater flexibility. You can write checks or use your Park State Bank & Trust Debit Card to make purchases or withdraw cash with the funds in your account plus the credit available on your Ready Reserve.

Interest only accrues on outstanding Ready Reserve balances. If there is an outstanding balance, minimum monthly payments will be automatically deducted from your checking account. Please contact us for current interest rates.

Your Ready Reserve can be unsecured or secured by home equity or other acceptable collateral.

For more information please contact us, or visit our Woodland Park or Florissant location to apply. We are happy to come to you by appointment.