The account balances you will see are your statement balances at that time, with the exception of the accounts below.

Balances for your Credit Cards and Asset Finance Account balances are updated up to close of business on the previous banking day.

The balance includes cheques that have not yet cleared, but will not include any pending transactions that you have authorised which have not yet been debited from your account.

'Available Funds' is the amount you can transfer or withdraw from your account.

If you have an agreed overdraft limit with us, your 'Available Funds' will not include the amount of your overdraft, however you can still use the funds from your overdraft limit when transferring or withdrawing from your account. The amount of your overdraft limit will appear underneath your 'Available Funds'.

Pending Transactions that you have made but have not yet been taken from your account may reduce your available funds, as will any uncleared amounts paid into your account such as cheques.

The ‘Pending Transactions’ section displays Visa debit card transactions which you have made that have not yet been debited from your account.

Most Visa debit card transactions are debited within several days.  However, the timeline can vary for each transaction depending on how the retailer/merchant processes it. As a result there may be some Visa debit card transactions which you have made that are not yet displayed on this screen.

You must ensure you have sufficient funds in your account to cover any Visa debit card transactions you make.