Current Balance is the amount of money in your account, including credit for the full amount of all deposits posted without regard to any portion of the deposit that may be on hold. Current Balance only reflects transactions that have posted to your account, but not transactions that have been authorized and are pending, or other payments such as checks you have written but not yet presented to us for payment. While these balance terms may sound as though the amount represents an up-to-date display of what is in your account that you can spend, that is not always the case. Any checks you have written, purchases, holds, fees, other charges, or deposits made on your account that have not yet posted will not appear in your Current Balance.