Available Balance

This balance represents the dollar amount of money available in your account. It includes all cash and electronic transactions, such as direct deposit, that have been deposited into your account as of today's business date, but it does not include any pending credits. Any holds placed on your account have been subtracted from the balance. Branch deposits posted on the next business day may be available for withdrawal but may not be available to pay items (checks, debit card purchases, etc) presented against your account in nightly processing.

Available Overdraft Protection (Available ODP)

For checking accounts, this balance represents the amount of overdraft protection available to you, either through the balance of a savings account or the available credit on a overdraft line of credit.