Most transactions are online real-time. Therefore, most transactions you perform that change your balance (i.e. deposits, ATM withdrawals, TouchTeller and anytimeBanking Online transfers, etc.), affect your balance at the time they are performed. Checks and Visa debit Card transactions, performed as a credit (without a PIN), will not be deducted from your account balance until they have cleared. Future dated anytimeBanking Online transfers and bill payments will affect the account balances on the future date selected.