PERSONAL BANKING / Unsecured Lines of Credit UNSECURED LINES OF CREDIT (1) An unsecured line of credit is a convenient way to access funds when you need it. Apply once! When your line is approved, you can access your funds by simply writing a check. You pay no interest until you actually borrow from your credit line. You can borrow and pay off your balance as often as you like up to your available credit limit. It's a smart way to make sure you have money available for unexpected expenses such as car repairs, dental bills, or other timely purchases. (1) Subject to credit approval.