OVERDRAFT PROTECTION & CREDIT LINE
Give yourself the reserve you deserve.
The Pines Reserve account is a revolving line of credit that adds protection to your personal checking account. Pines Reserve provides automatic coverage of your checks for amounts above your checking account balance, up to your approved credit limit. With Pines Reserve, you can say goodbye to fees for insufficient funds and returned checks, and say hello to forever fail-safe checking.
Free to have when you need it
Once you activate Pines Reserve, there’s no charge for having this revolving line attached to your checking account, available whenever you need it; interest is charged only on the amount borrowed.
Reassurance beyond checking
You’ll find Pines Reserve is also helpful whenever you need extra cash in a hurry. Initiate cash advances against your Pines Reserve account up to your credit limit to help pay for urgent or unexpected expenses. Plus enjoy the convenience of paying it back in full or in monthly installments — whichever fits your needs.
Benefits of Pines Reserve
- Protection against being overdrawn for personal accounts and sole proprietorships
- Avoid overdraft fees
- Line of credit available for emergency situations
- Interest is charged only for the amount drawn and only if the reserve is utilized
- Credit lines from $500 to $100,000 are available
apply today!
To apply for your Pines Reserve revolving line of credit,
download and fill out the Application Form (Word document) »
Bring in or fax your completed form to your nearest Torrey Pines Bank office.
Be sure to read these related disclosures and agreements before completing your application:
Pines Reserve disclosure table & agreement »
Privacy Notice »
Electronic Funds Transfer Agreement »
