Your available balance reflects any preauthorization holds or deposit holds and is used to determine available funds when future transactions attempt to clear the account.

The balance we use internally as transactions clear is called your actual balance or total balance and includes all items that have cleared the account up to that point. This actual balance does not include outstanding debit purchases, share drafts (checks), or automatic drafts. If funds are not sufficient in the actual balance at the time of clearing, an overdraft fee is charged for each transaction that attempts to clear.

Your actual balance includes items that have not yet cleared your account such as checks written and not cashed and debit-card pre-authorization holds.