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Account Balances PrintPrint
Present Balance
Your present balance is the previous business day's ending balance, plus or minus the full amount of any transaction known to the bank made during the current day (e.g., deposits, debit card transactions or ATM withdrawals); it does not include checks you may have written but didn't present to the bank.
Available Balance
Your available balance is the amount of the account's present balance that is available for immediate use. Certain pending transactions, such as deposits that contain checks, may not be immediately available and wouldn't be included in the available balance.