Chase Bank available vs present balance?

What would happen if i go past my available balance, but not my present balance at the J.P. Morgon's Chase Bank? Transactions take a day to go through the system, but if I have money in the present balance, but not on the available balance and buy something that's over the available, but not the present, what then?|||Your available should be your 'up-to-date' balance. The present/current balance is your balance from the 'night before' end of business processing of any debits/credits for the day. It wont reflect any 'throughout today' debit or credits that come into your account. If your available balance becomes negative and you do not bring your account back into good standing by end of business day for your bank, you will be charged any NSF fees and could possible get return items on the account.





I would suggest you talk to a customer service rep at this bank and find out full details from them since every bank is different.





Oh, and keep a check reg/record at all times that way you know what your balance is at ALL times. The bank is not your book keeper. Do not rely completely on checking your available balance, because those bank balances can change from the time you check them. Say you went to the bank at 10:00 am and your balance was 100..great you have 100bucks...well, 30 minutes since the time you check, you didn't realize that check or ACH of 80 dollars came through and now you only have 20 bucks...but you think you have 100 and go out that day and spend it and end up over drawing your account which you wont realize until the next day, or the next time you check your balance.





Just food for thought... :)|||The bank will bounce the payment and probably charge you a bounce fee as will the merchant. The two numbers are different because you have debits outstanding that the bank knows about but has not yet processed in full.|||Depends on the banks policy. Some will bounce it, some with just charge you a uncollected funds fee which means they don't bounce it but you get a fee on your account, typically around the same amount as a bounce check fee.