Availble- -34.86
account -110.39
I am in negative in both but how much do i have to pay in total? 145? dollars??|||You have to pay the $110.39 unless something else clears, and then you'll owe more.|||from the numbers you have given, you should need to deposit 110.39 into your account to have an account balance of 0.
It looks like you have an account that allows you to have an overdraft of 75 and you are now at -110 and so you are 35 beyond your overdraft amount which is why you have a negative available balance.
However - without seeing all the details there could be another explanation.
It could be that you have charged something to your account that has changed your available balance but not your account balance. For example, if you have an overdraft of 100 and a charge waiting to be deducted of 24.47 you might see the same numbers.
I suggest you check what your overdraft allowance is - you need to deposit the amount of your overdraft + 32.86 to be back to 0 account balance and your Available will then be the amount of your overdraft.|||No, the "available" is like what is current. If it wasn't negative it would be what you could spend.
the 110.39 means that something is holding money up. Either you just purchased something or an automatic payment has gone out of your account.
The total amount you are negative is 110.39 so that's what you would have to put in to make it even. I would say put in the 145 if you have it to avoid it being negative or incurring more fees.|||when your bank has this consider you committing bank fraud if its with a check of yours you wrote and signed its also conspiracy to commit a crime because it was thought out before = premeditated.
And according to your state there might be other crimes the can charge you with at the bank...then there are the places you bought things at who could add addital criminal charges and fees, as well as fees.
So you might have an Added 100.00 at the stores to repay as well.
you see one crime can actually break more than one law and you maybe charged with each crime
Thursday, December 15, 2011
Why is my 'current balance' and 'available funds' different?
I transferred money into an ANZ bank account a few days ago, and my current balance reads as it should. However, my available funds are significantly lower, and I don't know why. I did not have any payments taken out, and my transaction fees have already been taken this month.
Will it just take a day or two to process correctly? Or is there something not right?|||It takes a couple of days for everything to clear.|||Pending items
Something has taken out and hasn't yet shown up.
For instance with my account for gas my bank will show 1 dollar, but my balance is MUCH lower (like 60 dollars less) and that's because the item hasn't cleared.
You can call the bank and ask them if you have anything pending.
Or it could easily be a simple hold. Was it a large amount? It takes up to 2 days typically before you can "spend" the money, hence available.|||The bank acknowledged the transfer, but does not acknowledge that it actually has the funds yet.|||current UNCOLLECTED BALANCE
available COLLECTED BALANCE|||do not worry. money is there just need few days to clear out the money to be available in your account.|||it will take few days to clear the money. thats why the difference is showing.|||its called processing time. should be in account about 1-2 days
Will it just take a day or two to process correctly? Or is there something not right?|||It takes a couple of days for everything to clear.|||Pending items
Something has taken out and hasn't yet shown up.
For instance with my account for gas my bank will show 1 dollar, but my balance is MUCH lower (like 60 dollars less) and that's because the item hasn't cleared.
You can call the bank and ask them if you have anything pending.
Or it could easily be a simple hold. Was it a large amount? It takes up to 2 days typically before you can "spend" the money, hence available.|||The bank acknowledged the transfer, but does not acknowledge that it actually has the funds yet.|||current UNCOLLECTED BALANCE
available COLLECTED BALANCE|||do not worry. money is there just need few days to clear out the money to be available in your account.|||it will take few days to clear the money. thats why the difference is showing.|||its called processing time. should be in account about 1-2 days
How come on my online account balance it says that all my money isnt available?
its put it in 2 categories: BALANCE and AVAILABLE|||When cheques are deposited into the account the balance is immediately increased, however the money is not available for your use until the cheque is cleared. This usually takes three days. Hence the available amount remains the same as it was prior to the cheque being deposited.|||Most banks have a deposit float or hold time.
The hold times are regulated, but when the account is new, they can be longer.
Check your bank's website, and search for the key words: "deposit holds" to find out how long your money will be tied up.|||yup, they can do that, most of the time they get it right, there could be a recent pay that hasnt totally been cleared deposited, or a cheque payment not cleared, you should contact the bank if you need funds.
The hold times are regulated, but when the account is new, they can be longer.
Check your bank's website, and search for the key words: "deposit holds" to find out how long your money will be tied up.|||yup, they can do that, most of the time they get it right, there could be a recent pay that hasnt totally been cleared deposited, or a cheque payment not cleared, you should contact the bank if you need funds.
Debit card from lloyds tsb is available for balance but not for cash?
I had receive 800 pound 2 days ago, and when I go to a cash machine I am only able to check my balance but not able to withdraw any cash, may anybody please tell me?
PS: I had a old account which I am in debt, is there anything to do with it?|||Have you changed address?? I work for a bank and if we have lost contact with a customer we put a temporary stop on the card to get them to contact us and ensure all is ok. It may also be that an attempted fraud has been tried, again. Get in touch with your telephone banking centre or branch, they will sort the problem out immediately.
Cheers
PS: I had a old account which I am in debt, is there anything to do with it?|||Have you changed address?? I work for a bank and if we have lost contact with a customer we put a temporary stop on the card to get them to contact us and ensure all is ok. It may also be that an attempted fraud has been tried, again. Get in touch with your telephone banking centre or branch, they will sort the problem out immediately.
Cheers
My current balance is a negative but available is a positive?
OK I deposited $40 on a saturday. I bought a 39$ item on Sunday, and on monday, my current balance is a negative 39, but my available is a positive 1 dollar. I'm getting confused, can someone explain this to me?|||Some
Your deposit will post tonight, and all will be right with the world. ATMs are NOT realtime banking. Deposits are not necessarily posted and credited to the account at the time you do it. It is done at the time the empty the machine and process the deposit .... ie the next working day.
Just because you make a $19,000 deposit at the ATM, does not mean they will give you access to the money! I think they would like to see what you deposited first! And a deposit done on the weekend won't be seen by anyone until Monday.
Soccerref|||Deposits need time to clear.
Even if you deposited cash, it will not be processed immediately.
Banks update transactions once a day (at midnight).
This means that your deposit may not go through until Monday, since banks don't process on Sundays.
I never go by available.
I go by current or collected balance.
This could mean that you overdrafted in your checking.
You might be getting a $25 to $35 fee for doing this.
Go to your bank and opt-out of overdraft protection.
That way if you use your card again, and the funds are not in your account, your transaction will simply be turned down, and you won't get those nasty overdraft fees..
Your deposit will post tonight, and all will be right with the world. ATMs are NOT realtime banking. Deposits are not necessarily posted and credited to the account at the time you do it. It is done at the time the empty the machine and process the deposit .... ie the next working day.
Just because you make a $19,000 deposit at the ATM, does not mean they will give you access to the money! I think they would like to see what you deposited first! And a deposit done on the weekend won't be seen by anyone until Monday.
Soccerref|||Deposits need time to clear.
Even if you deposited cash, it will not be processed immediately.
Banks update transactions once a day (at midnight).
This means that your deposit may not go through until Monday, since banks don't process on Sundays.
I never go by available.
I go by current or collected balance.
This could mean that you overdrafted in your checking.
You might be getting a $25 to $35 fee for doing this.
Go to your bank and opt-out of overdraft protection.
That way if you use your card again, and the funds are not in your account, your transaction will simply be turned down, and you won't get those nasty overdraft fees..
Available balance says 806.67 and the current balance is -39.99 in my checking account?
900 was put in my bank yesterday morning. could i still write checks or use the debit card since it shows it paid for in my available balance? or do i have to wait?|||Call your bank.,|||It really depends on how the bank processes transactions and what those balances mean. If you made the 900 deposit yesterday after the cutoff time and it hasnt posted that is where the balance difference would come from. Also, make sure to account for any Overdraft Fees that may occurr from the negative balance, they are usually assessed the business day after the overdraft. As long as your bank processes deposits first then debits, you should be OK to write a check or use your debit card. The safer plan would be to use a credit card and just pay it back as soon as the funds clear.|||if I where you I would take the -39.99 from the 806.67 and go from there that way you do not have - on anything.
Is it legal for Citibank to refuse to combine my available credit in order to transfer a bigger balance?
I want to consolidate my available credit (two Citi credit card accounts) in order to take advantage of a balance transfer offer. Citi says that they will consolidate credit, but they'll only allow balance transfer amount on the available credit before combining. Is this legal? I don't recall getting a notice specifying this. Thanks!|||Legal? They're the lender, so they can set the rules.
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