“Available balance” is used to determine when your account is overdrawn. The “available balance” is the amount of the “actual balance” that is available to you for use without incurring an overdraft or
transfer fee. In other words, the “available balance” is your “actual balance” (i.e., the amount of money in your account at the beginning of a business day) less any pending ATM withdrawals, debit card
purchases, ACH transaction, checks being processed or other pending withdrawals from your account and less any deposits that are not yet available due to our funds availability policy. The “available balance” does not include checks you have written that have not yet been processed or pre-scheduled
debits (e.g., health club dues automatically debited from your account at a certain time each month). Click here for a detailed discussion of balance types and how transactions are posted to an account.