Customer Monitoring

Routing Number: 272483633

Understanding your account balances.

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

What’s available to spend? Your Available Balance reflects transactions that have posted, plus any holds and pending transactions known to Advia. To avoid overdrafts, consider 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, review your Member Agreement (view PDF of full disclosure - see Understanding and Avoiding Overdrafts and NSF Fees).

When transactions show as available.

Deposit Transactions

Pending e-Deposits, RDA, & 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.

Withdrawal Transactions

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.

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Funds will show in Available Balance until the check is presented for payment and funds are withdrawn from your account.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 & 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Transactions may show as pending but will not be withdrawn from your Available Balance until processed by the payee.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.

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.

There are overdraft protection options.

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

Courtesy Pay

Courtesy Pay is an automatic, discretionary service for account holders in good standing (subject to a service charge). In the event your Available Balance is not sufficient to cover your checks, internet bill payments, and other pre-authorized payments, this service may help ensure the transaction is paid.
To allow Courtesy Pay to cover insufficient one-time Debit and ATM Card transactions, however, you must opt-in. In Digital Banking, select Cards > Overdraft Opt-In from the menu.

Learn More >

Opt in via Digital Banking

Overdraft Transfers

Overdraft Transfers within your account allow the transfer of funds from another share or Advanced Line of Credit to your Checking in the event your Available Balance is not sufficient to cover your transaction (subject to a service charge).

In Digital Banking, select Preferences > Overdraft Preferences from the menu to get started.

Apply for a Line of Credit >

Select via Digital Banking

Advanced Line of Credit

Advanced Line of Credit can be used as overdraft protection or simply for extra cash when needed, ranging from $500 to $30,000 (subject to a service charge) when accessed as an overdraft transfer.

Learn More >

Apply for a Line of Credit

Assurance Checking

Assurance Checking can be considered an alternative Checking option to further protect yourself from unwanted overdrafts on your account. Courtesy Pay does not apply to this account.

Learn More >

Open via Digital Banking