Attached to checking account
This line of credit is attached to your checking account so funds will automatically transfer to cover purchases that exceed your checking balance.
The application for Kwik Cash is fast, simple, and receiving funds can happen right away once approved. Plus, you will be able to manage your payments directly in digital banking.
Avoid overdraft fees
If you have a sudden expense that exceeds your checking account balance, Kwik Cash can temporarily cover the difference and protect you from non-sufficient fund (NSF) fees.
Cash advance option
You can transfer Kwik Cash funds to another account and withdraw those funds as physical cash without a cash advance fee.
Simple to repay
Paying back the funds you use can be as simple as setting up automatic monthly payments from your replenished checking or savings account.
Avoid the embarrassment and problem of rejected or returned payments. Funds (up to your Kwik Cash line of credit limit) are automatically moved to your checking account when needed to cover a purchase or payment.
Heartland has been our go-to for all our banking needs for over 20 years! We tell friends and family about the great service we've received and that they knock it out of the park for us.
The interest applied to your line of credit is lower than other financial institutions, so paying back what you owe will cost less.
Reported to credit bureaus
Each on-time payment you make will contribute to positive reports to the credit bureaus, which can help build or maintain stronger credit scores.
Functions as line of credit
Unlike a loan, this borrowing option only charges interest on what you borrow so you do not spend too much money when repaying.