Available Consumer Overdraft Products

We offer three different overdraft products to protect you in the event that your checking account should become overdrawn.

Automatic Transfer

Should your account become overdrawn, the funds can be automatically transferred from another First Hope account, such as a checking or a savings account, in increments of $100.00. The fee for this service is $5.00 per transfer. Automatic transfer can be added to your account by visiting any of our offices, or by providing a request in writing.

Hope Reserve

The Hope Reserve is a line of credit that is attached to your personal checking account and will activate, in increments of $100.00, only when the balance of the account goes below zero in an emergency situation. The loan is available from $250 to $2,500. It can be attached to any First Hope Bank checking account. Payments are automatically deducted from your account once a month. To apply for the Hope Reserve, click here to download an application, visit any of our offices, or call or e-mail our Contact Center to have an application mailed or faxed to you.

Hope Prime Advantage

The Hope Prime Advantage is similar to the Hope Reserve; however, this loan is available from $250 to $5,000, and is offered with a variable rate to customers with a credit score of 680 or better. To apply for the Hope Prime Advantage, click here to download an application, visit any of our offices or call or e-mail our Contact Center to have an application mailed or faxed to you.