This particular line of credit loan option kicks in when your checking account balance is too low to cover an outstanding check. Overdraft protection / debit line of credit will pay the check so it doesn't bounce. The advances are made as needed as long as your credit is available. There is no fee per transfer with our line of credit loan option. Save money and keep your peace of mind by applying for your overdraft protection line of credit over the phone by calling 800.555.6665 or emailing ConsumerLoans@Aventa.com, or visit a branch and complete an application.