Personal Reserve Account

Your Reward for Good Credit

Personal Reserve Account (PRA) for Peace of Mind

At Baylake Bank, we believe that banking should be a pleasure, not a hassle. Having a PRA means that we've approved, in advance, a personal unsecured loan to balance your account if you should overdraw. It's designed to end checking account overdraft complications, charges and embarrassing delays.

Financial Freedom

Use your good credit to qualify for our plan, and your checking account will become a personal loan account. You may write your own loan, or conduct an automated teller machine or debit transaction if your accounts are linked, any time you need extra money for pleasure or an emergency.

Any Questions?

We'll be glad to talk with you about the ways to access your credit line, pay schedules, and your personal credit loan limit.

Personal Reserve Account

Your Reward for Good Credit