Personal ReservAccount

 Personal ReservAccount is a convenient line of credit, which automatically transfers funds to your checking account to avoid overdrafts. Enjoy peace of mind and take away the worry of accidentally overdrawing your account or the embarrassment of having a check returned. We offer:

• Discreet service—only you and Bank of Granite know that you are using this credit
• Credit line of $500 or more, funds are transferred to your checking account in increments of $100 as you use them
• Receive notification each time a transfer is made
• Minimum monthly payment of only 5% of the outstanding balance or $20, whichever is greater
• Pay your entire balance at any time without pre-payment penalty
• No interest on the unused portion of your credit line
• Banclub, Lifestyle 50, Lifestyle 50 Elite, and GraniteAdvantage customers receive reduced interest rate
• Optional life insurance is available