Differences in Total and Available Balance

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

Total Balance

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