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What is the difference between account balance and available balance?

Your account balance is the total amount of money that is currently in your account, including all funds engaged in holds and pending transactions.

Your available balance is the total amount of money in your account that is accessible for purchases and withdrawals. This number does not include held or pending funds. Your Savings account will show that $5 is unavailable because it is held as your share amount for being a credit union part-owner.

Please note: available balance does not account for checks that have not been cashed or deposits which have yet to post.

Overdraft fees are determined using your available balance.

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