Ready Reserve Protection

Hickory Point Bank & Trust’s Ready Reserve makes it easy for you to borrow – as easy as writing a personal check – and you don’t need to fill out an application each time you need a loan. Ready Reserve is offered to all pre-approved checking accounts. Depending on the amount owed at statement time, a payment will automatically be made to the outstanding balance. In addition, a payment may be made at any time. Protect yourself against overdrafts. Stop in any one of our seven branches and fill out an application, or just simply fill out the online application, print it, and either fax it to us at 217-872-3996

or mail it to the address below:

Ready Reserve Disclosure/Application

To download any forms/applications you will need Adobe Acrobat Reader. If you don’t have this program and would like to download it now, click

Hickory Point Bank & Trust
Loan Department
PO Box 2548
Decatur, IL 62525-2548