Vault by Bank of Orrick offers personal lines of credit. With a line of credit, you can draw money at any time as long as you have available credit and your account is in good standing. As you pay down your outstanding balance, more of your credit is available to you.
With Vault by Bank of Orrick, there is no advance fee or annual fee, and you are only charged based on the amount of credit you have drawn, not on your approved credit limit.