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What is the difference between my available balance and my account balance?

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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