Home Equity Line of Credit

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






Local.
Receive competitive rates and the convenience of working with your local banker.

Overdraft protection.
Lines of credit can be used for overdraft protection on your Washington Trust Bank checking account.

Rates.
For rates and fees, contact Priority Service at 800.788.4578 or visit your local branch.






























Ready to apply?

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

 
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.




The HELOC process.

Have questions? Visit a local branch or call our Priority Service team at 800.788.4578.

1. 

Submit an application.

Here's what you will need to complete your application: download the application checklist.

2. 

Send us your documents.

Here's a list of documents we will ask for: download document checklist.

3.

Close on your line of credit.

We’ll work with you to schedule your closing at a Washington Trust branch convenient to you. 







Once your documents are signed, there will be a 24-hour waiting period before you can access your online account and three days until you can access your funds. This three-day period is called your "right of rescission".
























Ways to access your Home Equity Line of Credit

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










Lines of credit can be used for overdraft protection on your Washington Trust Bank checking account.











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Important information:
 
*Subject to credit approval and must meet eligibility requirements.