Our Special Reserve Loan is a revolving line of credit that provides overdraft protection on your checking account and acts as an extra layer of safety in case you miscalculate your checking account balance. Any transaction including check, debit card, ATM, electronic bill pay or automatic debit requiring more funds than you have in your checking account will be covered up to your Special Reserve Loan limit. Loan advances automatically in $100 increments into your checking account to cover items as they are presented.