Business Line of Credit Competitive Annual Percentage Rate (APR)! APR based on member's credit rating Low Monthly Payment! No Annual Fee! Cash advances are available at ATM machines (up to each member’s daily limit) or any E&A or Service Center branch location. Businesses may use their LOC for overdraft protection by authorizing automatic loan advances to be transferred to their checking account in the event of overdraft. This is a very convenient and economical way to prevent the cost of NSF fees and the embarrassment of bounced checks.