Available Balance is the amount of money in your account available to you for immediate use. The Available Balance may differ from the Current Balance because it takes into account amounts we deducted for pending debit transactions we have not yet posted to your account, such as debit card transactions that have been authorized by us and holds related to debit card transactions. It also takes into account any holds on deposits. Pending debits and other holds (e.g., authorized transactions, uncollected funds, unavailable funds, etc.) will reduce the amount of funds in your Available Balance. The Funds Availability Policy disclosed in the Membership and Account Agreement includes additional information about when a hold may be placed on your deposits.