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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:
(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. Pending transactions will be listed at the top of your account history. For example, if you have a $100.00 current balance and you just used your EECU Debit Card to make a $60.00 payment, then your current balance will show $100.00 because the current balance does not include the pending debit card transaction.
Your available balance is the sum of all transactions, plus or minus the pending (credit or debit) transactions that EECU is aware of. For example, if you have a $100.00 current balance and you just used your EECU Debit Card to make a $60.00 payment, then your available balance will be $40.00 because the available balance does include the pending debit card transaction. Overdraft fees are based off the Available Balance at the TIME each transaction is posted/cleared.
Click here to read our Overdraft Protection FAQs
It is important to note that the available balance does not include the following: pre-scheduled debit card transactions, outstanding ACH transactions, or any payments you have made that have not yet been processed by EECU.
Learn more about your account balance calculations in our
Courtesy Overdraft Protection Statement Disclosure
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