The Balance shows the actual dollar amount in the account and the Available Balance shows the funds that are available for use. Several transactions can cause the funds to be held and not be available to use:

    • Depositing a check which may be subject to a hold.
    • MasterCard Debit Card credit transactions in which the merchant runs an authorization that places a hold on the amount.
    • BayPort Credit Union personal check you issued and that your payee cashed in branch.
    • All ATM deposits as a result of the hold policy.

If you or another account signer has performed one or a combination of these transactions types there could be a difference in the Balance and Available Balance. Using an account register or receipts could assist you in determining the diffenence in balances