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The End of the InnocenceA line of credit is a form of revolving credit that lets you borrow money when you need it, up to a predetermined amount. Additionally, with a low upper limit of $25, and access to your funds limited to e-Transfers, cheques, and branches, the BMO personal line of credit leaves a. You need to go to a BMO branch with a void cheque (or equivalent) for your RBC account, and BMO will get you to sign a PAD form for the payments.