Home Equity Line of Credit

Access cash from equity in your home to use for home improvements, unexpected expenses or other needs.

Home Equity Line of Credit (HELOC)

  • Rates: For rates and fees contact Priority Service at 800.788.4578 or your local branch.
  • Overdraft protection: Lines of credit can be used for overdraft protection on your Washington Trust Bank checking account.
  • Local: Receive competitive rates and local convenience.

Application Process

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Get Started.

Here is what you will need to complete your application.

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What’s Next?

Your application is being processed. What’s next?

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You're Done!

Steps to access your new line of credit.

Number One Icon  Get started. Gather documents and submit application.

To learn more about what we will ask for on the application - download the application checklist.

Download Application Checklist

Ready to apply?

Apply for a Home Equity Line of Credit online, or call Priority Service at 800.788.4578 or visit a Washington Trust Bank location.

Note: Home equity lines of credit close approximately 30 days after you submit your application. By applying for this line of credit, you are giving us permission to pull your credit report. Multiple loans can be applied for using a single application.


Number Two Icon  What’s next? Send us your financial documents.

  • You can expect to hear from us within one-two business days.
  • Here's a list of documents we will ask for - download document checklist.
Download Document Checklist

We’ll work with you to schedule your closing at a Washington Trust branch convenient to you. Once your documents are signed, you'll have three business days before you can access your funds. This three day period is called your "right of rescission".


Number Three Icon  You’re done! Access your new line of credit.

  • Visit WTB Online and log in using your online banking credentials. You will be able to access your line of credit online.
  • If you want to request a cash advance, call Priority Service at 800.788.4578 or visit a Washington Trust Bank location.
  • Want even faster access to your cash? Ask for a HELOC debit card or HELOC checks.

Note: There will be a three day right of rescission period after your line of credit has been signed. It will be 24 hours after the end of this period before you can access your online account.

Apply Online

 

Request more information or apply by calling Priority Service at 800.788.4578 or visiting a Washington Trust Bank location.

Apply Online