Online, when I check my available balance in my checking account, it says I have holds. When I check the holds there is an amount. I am wondering if that amount has already been deducted from my available balance? In other words, does my available balance include the holds?|||Your available balance should be exactly that: what's available to you.
Say you had $1,000 on deposit then deposited a $5,000 check and all but $200 is placed on a 2-day hold. Your bank account should show your balance to be $6,000, but your available balance would only be $1,200.
Contact your bank regarding regarding their specific funds availability policy or questions about their website.
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