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United Minnesota Bank

Ready Reserve

An instant line of credit that works automatically with your checking account. If you are overdrawn the bank will advance money on your Ready Reserve loan line to cover your checks. You only pay interest on your outstanding loan balance. Please contact one of our loan officers for more information and how to apply for Ready Reserve.

Automatic Transfer of Funds

The bank can automatically transfer money from another account (normally your savings account) if you are overdrawn. There are no fees for this service. Please check with our staff for more details and how to sign up.