So if you had R10,000 in your cheque account, your current balance would remain unchanged at R10,000, but your available balance will reflect your original funds (current balance) minus the pending payment amount and show your available balance as R9,850. You might find that you have several balances, including an "available" balance, when you check the status of your bank account, and the amounts of these balances can differ.Your available funds can sometimes be less than your actual account balance. Your available balance is the amount of money in your account to which you have immediate access. Your savings account balance is separate from your checking account balance. Your available balance will be different from your current balance if we have placed a hold on your deposit or if an authorized credit or debit card transaction has not yet cleared. A hold is placed on your Account, so your available balance is only $30. The available credit is the amount that you have available to spend. Your available balance also reflects electronic deposits and cash deposits that your bank has received that have not yet posted to your account. Your available balance is the amount of money in your account to which you have immediate access. Equal Housing Lender Your available balance is the amount of the account's present balance that is available for immediate use. Your available balance reflects the amount of money in your account before adjusting for pending charges. Priority Destinations World Elite Business. For example, assume your actual and available balance are both $50, and you swipe your debit card at a restaurant for $20. Account Balance Vs. Account balance is the total including transactions yet to clear. Available Bank Account Balance Increases with Overdraft Limit. That means you may soon overdraw your checking account. Whether you’re writing checks, using your Freedom Debit Card or making reoccurring ACH payments, using your Really Free Checking account is fast, easy and convenient. Your available balance at this point -$91.37 indicates you have seriously overdrawn your bank account. For certain cash value life insurance products there is investment risk, including the possible loss of value. “Available” Balance – The amount of money in your account that is available for you to use. Your Available Balance is your balance that is currently available for use. This is based on the credit limit less the current balance less any pending transactions. It includes all deposits and withdrawals that have been posted to your account, then adjusts for any holds on recent deposits and any pending transactions that are known to the bank. “Actual” Balance – The amount of money that is in your account at any given time. The available balance of your bank account is the amount of money that you can access and use from the account. Current Balance (also known as “actual” balance) Your current balance is the sum of all posted/cleared transactions that EECU is aware of, and DOES NOT include pending transactions. The available balance for your account may differ from the current balance because of pending transactions that have been presented against the account, but have not yet been processed. Your present balance is the previous business day's ending balance, plus or minus the full amount of any transaction known to the bank made during the current day (e.g., deposits, debit card transactions or ATM withdrawals); it does not include checks you may have written but didn't present to the bank. As you make daily purchases, it’s important to keep track of your available balance. When all deposits and debits have been posted, your current balance and your available balance will be equal. guaranteed or insured by, First Hawaiian Bank or any of its affiliates. The insurance and annuity products are obligations of the insurance company and (i) are not insured by the FDIC or any other agency of the United States; and (ii) are not deposits or other obligations of, or Deposit products offered by First Hawaiian Bank, Member FDIC. Understanding current vs available balance When you view your balance in Online Banking or the EECU Mobile App you will see two kinds of balances: Current Balance and Available Balance. If you swipe your card for more than what is in your account, the available balance will be $0 (which actually means less than 0). Two of the most commonly confused terms used in the financial sector are “Available Balance” and “Current Balance.” Although these terms seem very similar, they refer to two very different things. 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