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It is important for you to use your checking account responsibly and never intentionally overdraw your account. However, we realize that financial shortfalls happen from time to time and we have several options available for you.

Transfer from another account

If you have other accounts with us you can authorize us to transfer the funds needed to cover your overdraft. This can be from a savings, checking, or money market account. Then when an item is presented that will overdraw your account, the money will automatically be transferred to cover the shortage. Simply complete the form to authorize a transfer of funds.


Serving our communities since 1946, First Bankers Trust Company has lived by the motto that customers are always FIRST. We strive to be the best local lender in Quincy, IL by meeting and exceeding our customers’ needs. 

What is a personal line of credit?

A personal line of credit is a type of unsecured revolving credit account. You can draw funds from your personal credit line up to the limit. Similar to a personal credit card, you can borrow as needed, pay back what you borrowed, and borrow again. Our ReadyLine is also linked to your checking account for automatic overdraft protection.

Benefits of ReadyLine from First Bankers Trust

  • Competitive Interest Rates
  • Establish your own personal line of credit
  • Protect yourself if you run short on money
  • Flexible extension of your checking account
  • Use for any need/expense, not just overdraft protection

Apply for ReadyLine today!


Set up your personal line of credit now so it’s there when you need it. To learn more about ReadyLine and apply, visit one of our West Central Illinois locations or contact us today!

Once you have applied and received approval for this valuable and versatile extension of your checking account, you can write yourself a loan or make a purchase, anytime, simply by writing a check.

Anytime you write a check for more than the remaining balance of your account, First Bankers Trust AUTOMATICALLY loans you the necessary money - in multiples of $100 - up to the limit of your ReadyLine credit limit.

ReadyLine is a way of protecting yourself if you run short of money. It can also help avoid an overdraft situation. ReadyLine is ready when you are.

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