My current balance in my checking account is low, but my available balance is high, which one do i use?

Should i make payments based on the current or available? i dont want to overcharge my card because my current is too low but it fits my availble.|||Are you sure you worded your question correctly? Oftentimes after making a deposit to your account your current balance will show your account balance INCLUDING the deposit (which means that your current balance would be "high") but your available balance would show the balance in your account BEFORE the deposit (which would be "low"). The reason for this is that when you make a deposit to your account by check, your bank does not make the deposited funds available to you for several days while it waits for the deposited check to clear the issuing bank.|||I always go with the available balance, however it doesn't make sense why one is higher than the other. Call your bank first to see what is going on with your checking account before you spend any money though to be sure.|||Do you have a line of credit on your checking account?


That would explain your low current balance....the money you actually have. The available balance would be the money you actually have plus your line of credit.





Hope this helps ":-)