First Bank of San Luis Obispo
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Ready MoneySM Lines of Credit & Overdraft Protection
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Give yourself the freedom to write yourself a loan when and where you need it.

Since it is linked to your checking account, Ready Money and Ready Money Gold are personal lines of credit that provide you with overdraft protection so you will always have extra money to take advantage of opportunities or deal with unexpected expenses.

You can access your available credit 24 hours a day through phone, AllTime BankerSM ATM's and online banking in addition to visiting any First Bank of San Luis Obispo office.

Ready Money*
  • Overdraft lines of credit available from $1000 to $10,000

  • Pricing: 17.50% Annual Percentage Rate

  • No Annual Fee

  • $10 Per Transaction Advance

  • Minimum Monthly Payment Amount: 4% of the outstanding balance or $20 whichever is greater

Ready Money Gold*
  • Overdraft lines of credit available from $10,000 to $50,000

  • Pricing: Wall Street Journal Prime index plus 3.49%. For example, based on a Prime Rate of 8.00% plus 3.49%, the $50 application fee and a $10,000 outstanding balance, the Annual Percentage Rate, or the cost of credit as a yearly rate, is 11.49% APR

  • $50 application fee and $50 annual fee after first year

  • No Advance Fee

  • Minimum Monthly Payment Amount: 2.5% of the outstanding balance or $100 whichever is greater

Disclosures

* The above information is based on an effective date of 06/13/2006; the Annual Percentage Rates may vary. For current and complete information, please obtain a copy of the First Bank of San Luis Obispo Ready Money Customer Agreement and Disclosure Statement and the Ready Money Gold Customer Agreement and Disclosure Statement.


 
 
Santa Barbara Bank & Trust, First National Bank of Central California, South Valley National Bank, San Benito Bank, Pacific Capital Bank, and First Bank of San Luis Obispo are divisions of Pacific Capital Bank, N.A., member FDIC.

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