Differences in Ledger and Available Balance

Ledger balance is the total amount of money in your account, comprising of available
balance (usable funds) & earmarked/holding balance (non-usable funds).

Ledger Balance

Refers to the total balance in your account inclusive of Earmarked* Amounts and Holding Balance**.

Available Balance

Refers to the balance in your account available for spending, withdrawal or transfers.

Illustration
Hover/Click on the different slices of the pie to learn more.

Ledger Balance

Earmarked Amounts
(Non-usable)
Holding Balance
(Non-usable)
Available Balance
(Usable)
Usable Funds
  • Available balance refers to the balance in your account available for spending, withdrawal or transfers

Non-Usable Funds
  • Earmarked Amounts are funds set aside, possibly due to Debit Card spending and/or promotional Fixed Deposits that you may have signed up for.
  • Holding Balance indicates that a cheque deposit have been made into your account and is currently being processed for clearance.
    • One-Day Holding Balance: Cheque has been collected and is being processed. Funds will be available within 1 business day if cheque is successfully cleared.
    • Half-Day Holding Balance: Cheque has been processed and funds will be available after 2:00 pm on a business day if cheque is successfully cleared.
Usable Funds
  • Available balance refers to the balance in your account available for spending, withdrawal or transfers

Non-Usable Funds
  • Earmarked Amounts are funds set aside, possibly due to Debit Card spending and/or promotional Fixed Deposits that you may have signed up for.
  • Holding Balance indicates that a cheque deposit have been made into your account and is currently being processed for clearance.
    • One-Day Holding Balance: Cheque has been collected and is being processed. Funds will be available within 1 business day if cheque is successfully cleared.
    • Half-Day Holding Balance: Cheque has been processed and funds will be available after 2:00 pm on a business day if cheque is successfully cleared.

*    Earmarked Amounts

       Amounts could be earmarked,i.e.set aside,due to Debit Card spending and/or promotional Fixed Deposits that you may have signed up for.

**   Holding Balance

        Holding Balance indicates that a cheque deposit have been made into your account and is being processed for clearance.

One-Day Holding Balance

Cheque has been collected and is being processed.
Funds will be available within 1 business day if cheque is successfully cleared.

Half-Day Holding Balance

Cheque has been processed and funds will be available after 2:00pm on a business day if cheque is successfully cleared.