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Convenience Credit (Overdraft Protection)

We all could use a safety net sometimes. Link your CIB checking account to this line of credit to avoid overdraft fees.

Key Features

  • Competitive Rates
  • Flexible Terms
  • Local Decisions
  • Add a safety net to your CIB checking account
  • Easily avoid overdraft fees
  • Advances are made in $100 increments to cover negative balances
  • Annual fee is less than one overdraft fee1
  • Local decisions made here in the Minneapolis area
  • Attentive, friendly service throughout the process 

Learn more about overdraft fees and how to avoid them. See our overdraft protection page.


1$30 annual fee. Based on credit approval. 18.00% Annual Percentage Rate. Minimum monthly payment of 5% of outstanding balance or $25, whichever is greater.