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.

Principal Balance

Indicates the current dollar amount on loan to you from the Bank upon which interest accrues daily. This amount does not include outstanding finance charges, fees, insurance accruals, pending advances, or pending payments.

Total Balance

Indicates the full dollar amount outstanding on your account through the "As Of" date. This amount includes the "Principal Balance", outstanding finance charges, fees, and insurance accruals. This amount does not include pending advances or pending payments. If a payment of this amount is received by the Bank on the "As Of" date, the "Total Balance" will be reduced to $0.00. For each day after the "As Of" date, your "Total Balance" is calculated by adding the "Daily Interest Accrual" to the "Total Balance".