Available Balance: Your Account’s Available Balance is generally the most up-to-date record of the amount of money immediately available for your use or withdrawal. Your Available Balance will generally reflect Holds on your Account. It will not reflect transactions in your Account we don’t know about, such as a Check you write that has not yet been presented to us for payment. Notably, your Available Balance will include deposits made after the cut-off times listed below even though the amount of those deposits may not be available to pay checks or other Items presented to us for payment on the same Business Day.
Current Balance: Your Current Balance is the balance of your Account considering the full amount of any transactions that have been posted by the Bank as determined at the end of each Business Day. For more information, please see the section entitled YOUR ACCOUNT BALANCE in the Account Rules. On the bottom of your Statement the Current Balance will be identified as your “Current Balance Summary.” Notably, your Current Balance may include funds that are on Hold and therefore not available to pay Items presented to the Bank as part of our End of Day Processing.
For more information, please review the Account Rules Packet and Other Important Disclosures.