Ready Reserve works with your American State Bank checking account and it costs you nothing until you use it. When you write a check exceeding the balance of your checking account, American State Bank will automatically make you a loan from your authorized line of credit. We will deposit the loan amount directly into your checking account in sufficient multiples of $100.00 to bring your account to a positive balance. We will automatically debit your checking account each month to make the minimum payment required. To learn more about Ready Reserve, please call a Customer Service Representative.