Understand your account balances.

Within Digital Banking, you may notice two different balances reflected: the Actual (Current) Balance and the Available Balance.

What is actually available to spend? Your Available Balance reflects transactions that have posted plus any deposit holds and pending transactions known to Advia. To avoid potential overdrafts, consider and factor other pre-authorized and pending transactions and checks you’ve written that haven’t yet cleared before making another purchase.

To help you understand your Available Balance information and why some items may be returned or cause an overdraft to your account, see Understanding and Avoiding Overdrafts and NSF Fees in your Member Agreement.

When transactions show as available.

Pending e-Deposits, RDA, and Direct Deposits

Within Digital Banking, click on the transaction details to view the Settlement Date to view when funds will become available.

Deposited paper checks

Within Digital Banking, click on the transaction details to view the Settlement Date to view when funds will become available.

Pending Debit Card purchases

Typically, this is reflected against your Available Balance immediately; however, if the payee doesn’t process the transaction within 72 hours, the funds may be released from hold temporarily until the payee processes the transaction. Debit card purchases are processed at the timing and discretion of the merchant payee.

Written paper checks not yet posted

Funds will show in Available Balance until the check is presented for payment and funds are withdrawn from your account.

Pending e-payments such as Bill Pay and check-by-phone

Transactions may show as pending but will not be withdrawn from your Available Balance until processed by the payee.

See a pending transaction? Look further.

When you see a pending deposit, you may be able to click on the details of that transaction to determine the anticipated (settlement) date in which it will be available in your account. Pending withdrawals, depending on whether it was from a Debit Card purchase or other type of electronic authorization (recurring or one-time), may not always reflect in your Available Balance and should be considered before making another purchase.

Do you have questions?

Contact us to help you navigate your account balance and to learn more about the many convenient services to help you stay protected.

Overdraft protection options.

Advia offers a variety of services to ensure your Debit Card transactions process, your checks clear, and to help avoid overdrafts.

Tools to stay updated on the go.

Out shopping and want to know your available balance? Wondering if a recent check you wrote has been cashed? We have tools you can use to easily stay in-the-know.

Digital Banking Alerts

SMS, push notification, email or voice alerts.

Visa® Card Alerts

Transaction based SMS and Email alerts.

24-Hour Phone Banking

Updated account access at your fingertips.

Line of credit and account to account transfers as well as Courtesy Pay subject to applicable service charges when initiated by an overdraft. Courtesy Pay also is subject to periodic account review to assess eligibility.