Interchange State Bank is providing Visa check cards for access to home equity lines of credit.
Customers can draw down as much as $500 a day through any automated teller machine that accepts Visa cards. Paper checks can be used for larger sums.
The card is also usable for up to $2,500 a day in point of sale purchases.
Preferred Credit, the $491 million-asset bank's home equity line of credit, enables customers to borrow from $5,000 to $250,000 against their homes at a five-year floating rate of 6.75% - 1.5% less than prime. Other rates apply to terms of 10, 15, and 20 years.
The bank said it is the first in its area to offer the check card service along with a home equity loan.