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Online Banking Agreement

Features and Disclosures

Member FDICEqual Housing Lender


Whether you need cash for a new purchase, home improvements, to consolidate your debt, or to finance a new or used car, new or used boat, or Recreational Vehicle (RV), we have the resources and expertise to make it a fast, easy, and enjoyable process. In addition Visa® and MasterCard® Platinum Advantage Credit Cards are available.

Home Equity Line of Credit

A revolving line of credit secured by the equity in your primary or secondary residence (investment and rental properties excluded). As the line is paid down, the funds become available again.


  • Provides Overdraft Protection on your checking account
  • Minimum line amount: $25,000
  • Rate discount for auto debit from an Monarch Bank checking account or qualifying deposit relationship
  • Interest paid may be tax deductible (client should consult tax advisor)
  • Credit line accessible by Equity Line Checks
  • Monthly Interest-Only payment on equity line
  • Subject to credit approval

Vehicle Loans

We make it a fast, easy, and enjoyable process for clients who need financing for the purchase of a new or used car; new or used boat; or Recreational Vehicle (RV)


  • Minimum loan amount is $2,500
  • Fixed rate and term for stable monthly payment
  • Flexible loan terms available
  • Maximum Financing:
    • 90% of the sales price for new cars
    • 100% of the NADA Loan Value for used cars
    • 75% of the sales price for new boats
    • 70% of the sales price for used boats
    • 75% of the sales price for RVs (new to 5 years old)
    • .25% rate discount for auto debit from a Monarch Bank checking account
  • Fast turnaround time
  • Choice of coupon book or statement
  • Subject to credit approval

Contact a Private Banker to get started or visit any Monarch Bank Office for more information.

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