A Home Equity Line of Credit (HELOC) is a loan that borrows money against the equity of a client's home. It has no closing costs and offers credit lines up to $250,000.00. For overdraft protection, it can be linked to a Capital City Bank checking account. For more details, see Discussing Home Equity Line of Credit (HELOC) Products and Discussing Home Equity Line of Credit (HELOC) Overdraft Protection.