Your available balance is the amount in your account that is not currently on hold. Visa Debit card transactions and check holds can affect your available balance.

Some examples are:

  • Merchant holds are placed when you use your Visa debit card as a Visa transaction or Point of Sale(POS) transaction.
  • Check holds will affect your balance and decrease the amount available for you to use with purchases, withdrawals, checks or ATM transactions.