What Does A Clear Balance Mean – By Karen Bennett By Karen BennettArrow Right Consumer Banking Reporter Karen Bennett is the consumer banking reporter for . She uses her background in financial writing to help readers learn more about savings and checking accounts, CDs, and other financial issues. Karen Bennett

What Does A Clear Balance Mean

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Available Balance Vs. Current Balance

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When you view your bank account online or using an app, you can see two different balances for that account: your current balance and your available balance.

The current balance in your account is the total amount of money in your account, while the available balance is the amount of money you can actually access and use from your account.

In many cases, the available balance will match the current balance in your account, but in some cases, the available balance may be less, which means you may not have access to all the funds in your account.

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Available balance includes funds you can withdraw immediately, including debit card purchases or ATM withdrawals. Your bank will usually allow you to make transactions up to this amount.

The current balance listed on your account includes any pending transactions that have not yet cleared. Therefore, the current balance may be higher than the available balance – in other words, the current balance may be greater than the amount you can withdraw from your account.

There are a number of reasons why your existing account balance may not match your current balance, including:

Available funds in your bank account include all funds you can freely deposit, withdraw and use. You can do almost anything you want with the funds you have available, including:

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You cannot perform these actions using funds from your current balance, in addition to your existing balance. This makes it necessary to track your available balance compared to your current balance.

If you attempt to spend more than the actual amount, your check may bounce, your account may be overdrawn, or the transaction may be declined.

There may also be a discrepancy between your current balance and your available balance when you make a deposit. For example, your bank may not immediately provide the entire balance of your checking deposit.

For example, if you have $500 in your account and deposit a check for $1,000, your bank may only provide the first $200 immediately. The current balance will appear as $1,500, but the available balance will only be $700. After your bank processes the acquiring bank’s check, the remaining funds will be available to you.

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How much instant deposits a bank offers and how quickly it deposits the remaining deposits depends on many factors.

Generally speaking, banks are very reluctant to sign up new customers. If your account has only been open for a few days or weeks, it may take the bank longer to release your entire deposit as they need to clear the transaction with the receiving bank.

Banks will also be cautious about large deposits. Checking deposits above $5,000 generally require longer holding times.

These assets are designed to help protect you from scams. If you deposit a fake check, once the bank discovers the fraud, the deposit will be deducted from your account and you can collect the check you deposited.

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If the bank provides funds immediately and you use them, you may not have enough funds in your account to repay the bank. This will leave your account with a negative balance.

If you want to know how long it will take to get your money, check your bank’s funding policy. The policy will clearly state the time it takes for the bank to process a deposit and make the funds available to you.

For checking accounts, the most important balance to monitor is your available balance. This number represents the amount you can withdraw and spend from your account, and may be less than your current balance.

Knowing your available balance is important because it can help you avoid accidentally overdrawing your account and incurring large fees or having your transaction declined.

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Karen Bennett is a consumer banking reporter. She uses her background in financial writing to help readers learn more about savings and checking accounts, CDs, and other financial issues.

Brian Beers Editor Brian Beers Editor Arrow Right Managing Editor Brian Beers is the Managing Editor on the Wealth team. He oversees editorial coverage of banking, investing, the economy, and everything related to money. Connect with Brian Beers on Twitter Twitter Connect with Brian Beers on LinkedIn Linkedin Brian Beers Management Solutions Activate Your Chakras Balance Your Chakras Activate Your Chakras Balance Your Chakras Heal Your Chakras Heal Your Chakras Chakra How to Balance Your Chakras April 25, 2019

The words clarity, balance, and stimulation of your chakras are often used interchangeably. I get asked a lot about the difference, so I wanted to explain. What I mean is cleansing, healing and activating your chakras.

It is natural for us in our journey of healing and spiritual growth to go through a process of physical awakening, followed by cleansing, healing and stimulation of the entire body, mind, emotional and spiritual health.

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Chakras are energy centers located throughout our spine. They are gateways to how we give and receive energy in, around, and outside our bodies.

We have seven main chakras that help build and maintain our strength. They are located in the lower part of the body