What is the Available Balance and just the Balance in my savings account?

Question

It says I have a Balance of $431.36

And an Available Balance of $80.31

If I wanted to go downtown right now, and buy a Camera for $399, would my debit card go through? I deposited $380 of that money two weeks ago! Shouldn't I be able to use it?

Answer 1

yes you should be able to use the money. If your available balance is $80.31 that is the most you can spend. There is a hold on the rest of the mony for some reason. You will need to get in contact with your bank and find out why.

Answer 2

you made a deposit in your account that the bank has not collected yet.the 80.31 is the cleared amount.  the 431.36 has not cleared