Sometimes, we need to question the available balance that can be used for purchases and withdrawals. Knowing how how we've calculated it is important, so here's a breakdown:

• Account balance - funds held from deposits - pending card authorizations - any other funds held = available balance

For example, Your account balance is $1000 at the beginning of your day. You've deposited a $150 check that's on hold, and made $25 in purchases. Based on this information, we would calculate your available balance as follows: $1000 - $150 deposit hold - $25 purchases = $825 available balance to use. 

Additional items not reflected in your available balance include, but aren't limited to:

• Checks written that haven't been cashed
• Authorized automatic withdrawals, like your monthly gym membership or car payment
• Future payments scheduled through bill pay
• Debit/credit card authorizations no longer appearing as Pending Transactions due to merchant delay