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What does available balance mean?

Available balance is the amount in your account that is available to you to use at that particular time.  You may have additional money that you have deposited but it isn't available to you due to hold times.


There are two reasons why you may show a difference between your account balance and your available balance.

The first reason may be due to a check hold. Whenever a check is cashed/deposited with Third Federal, a hold is placed on these funds.

The second reason for a difference in account balance and available balance would be due to a debit card transaction hold. Whenever a debit card transaction is processed without the use of your PIN number, a hold is placed on your account until the transaction is completed. This process could take a few days. These types of holds normally appear on your account for two or three business days.

The available balance is your account balance minus any debit card or check holds. Your account balance does not reflect any holds.

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