
Bank Transaction Posting Order
How deposits and withdrawals impact your account balance
Understand how and when your account balance is updated
Make sure you have enough money in your account to cover checks or scheduled payments. By understanding when deposits and withdrawals are processed, you can see how much money is available and avoid fees for non-sufficient funds, or NSF.
Available balance
Your available balance is how much money you have immediately available to make payments or withdraw money. It's based on what you have in your account plus or minus any pending deposits or withdrawals made that day, which are typically processed after banking hours. If you have multiple deposits and withdrawals, the posting order described in the Deposit Account Agreement will be used.
Deposits and withdrawals
Deposits include cash or check deposits made at a bank or electronically through direct payroll, Zelle® payments or online money transfers. Withdrawals include checks you wrote, cash taken from an ATM and purchases made with your debit card.
Non-sufficient funds (NSF)
If your available balance is lower than the amount being withdrawn, you have non-sufficient funds, or NSF. If you have NSF, we will reject or return the withdrawal or pay it with an overdraft account. Most NSF items will be charged an NSF fee or an overdraft fee. Avoid NSF fees by checking your available balance to make sure you have enough money before making withdrawals.