Balances from pending transactions that have not posted to your account may not be reflected. Your total balance also does not include checks or other transactions you may have initiated that have not yet been presented to the bank for payment. Your available balance is the amount of money you can spend. You can use your available balance to withdraw cash, make debit card purchases, write checks and pay bills online. You can check your bank account balance using online or mobile banking tools anytime, anywhere.
You can also speak to a teller or follow the on-screen instructions of an ATM to check your balance. Call us at , 24 hours a day, 7 days a week. We know you count on your personal checking and savings accounts to meet your everyday banking needs.
Discover how we go beyond the basics to meet all your banking needs in the branch and online, now and in the future. Help us make your banking experience better. Send feedback. Log In. Looking for something else? Help Center. The current balance generally includes any pending transactions that haven't been cleared.
The available balance is different from the current balance, which includes any pending transactions. As noted above, the available balance represents the funds available for immediate use in a customer's account. This balance is updated continuously throughout the day. Any activity that takes place in the account—whether that's a transaction done through the teller, an automated teller machine ATM , at a store, or online—affects this balance.
It does not include any pending transactions that have yet to clear. When you log into your online banking portal, you will normally see two balances at the top: The available balance and the current balance.
The current balance is what you have in your account all the time. This figure includes any transactions that have not cleared such as checks. This process may take much longer if the check is drawn on a non-bank or foreign institution. The time between when a check is deposited and when it is available is often called the float time. A customer's available balance becomes important when there is a delay in crediting funds to an account. Customers can use the available balance in any way they choose, as long as they don't exceed the limit.
They should also take into consideration any pending transactions that haven't been added or deducted from the balance. A customer may be able to withdraw funds, write checks, do a transfer, or even make a purchase with their debit card up to the available balance. If you go beyond that, you may go into overdraft , and there may be issues with the pending transactions. Banks may decide to place holds on checks under the following circumstances, which affect your available balance:. On July 1, , new amendments to Regulation CC—Availability of Funds and Collection of Checks— issued by the Federal Reserve took effect to address the new environment of electronic check collection and processing systems, including rules about remote deposit capture and warranties for electronic checks and electronic returned checks.
There are cases that can affect your account balance—both negatively and positively—and how you can use it. Electronic banking makes our lives easier, allowing us to schedule payments and allow for direct deposits at regular intervals.
Remember to keep track of all your pre-authorized payments—especially if you have multiple payments coming out at different times every month. And if your employer offers direct deposit , take advantage of it. Not only does it save you a trip to the bank every payday, but it also means you can use your pay right away.
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