Overdraft Line of Credit


Many times, juggling everyday responsibilities is difficult. Have you ever made an error balancing your checkbook? Have you ever forgotten to transfer money into your checking account or forgotten to make a deposit?


We understand that you get busy and unexpected things happen. This is why First Californian offers a convenient way to protect yourself against an overdraft on your Checking account. An Overdraft Line of Credit gives you automatic protection when you need it; up to your credit limit.

Benefits of an Overdraft Line of Credit include:.


  • Saves Money – Cost is only pennies per day compared to expensive non-sufficient funds and merchant returned check charges
  • Perform at least 5 or more transactions per month
  • Saves Your Reputation – Eliminates the embarrassment of a ”bounced check”
  • Protects your good credit history
  • Protects you from paying high interest rates charged by ”Payday Lenders”

Apply Online for an Overdraft Line of Credit


The First Californian application takes only minutes to complete.

There is no obligation to activate the loan, and approvals are valid for 30 days. If your application is approved, you will be contacted by one of our knowledgeable loan officers, with instructions.

Click Here for loan options, rates, and disclosures.

Apply Now!

For additional information, to schedule an appointment, or to begin an application, please contact us today!


  • Call us at 951.755.5572 or toll free 877.992.8663, Monday – Friday, 9 am – 5 pm
  • Visit any of our convenient branches
  • Email us at loans@amucu.org

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951.267.9951