What's The Difference Between The Account Balance And Available ...

Skip to main content KNOWLEDGE BASE How do I find an explanation for the available balance in my checking account?

We make it easy to get a breakdown of how your available balance is calculated.

Start with the total amount of the completed transactions.	Minus any unavailable funds amount.	Then add the pending transactions.	Minus any funds held from deposit.	This equals the available balance.
Completed transactions	- Unavailable funds	+ Pending transactions	- Funds held from deposit	= Available balance

To find an explanation of your specific available balance using online banking

1. Select your checking account.
2. The Available balance will display.

To find an explanation of your specific available balance using the U.S. Bank Mobile App

1. Select your checking account.
2. Choose the information icon (lower-case "i” in a blue circle) below the dollar figure shown.

More information

Items not reflected in your available balance include, but aren’t limited to:

• Checks written that have not been cashed.
• Authorized automatic withdrawals (e.g., a monthly gym membership or car payment).
• Future payments scheduled through bill pay.
• Debit card authorizations that no longer appear as pending transactions due to merchant delay.

It is important to keep track of transactions that haven’t been paid yet when trying not to overspend. For more details, review Your Deposit Account Agreement at usbank.com.

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