Common use of Determining Your Account’s Available Balance Clause in Contracts

Determining Your Account’s Available Balance. The “Available Balance” of your account is defined as the most current record of the amount of money in your account available for your use or withdrawal, which does not include any money in your High- Yield Savings Account. We use the Available Balance to authorize your transactions during the day (e.g., Card purchases and ATM withdrawals). We also use the Available Balance to pay your transactions in our nightly processing. Note that the Available Balance of your account may not represent the current balance of the account due to pending transactions. We calculate your Available Balance as follows: i. We start with the ending daily account (posted) balance from our prior business day nightly processing that includes all transactions deposited to or paid from your account (excluding any money in your High-Yield Savings Account); ii. We subtract from this amount any holds placed on a deposit to your account and any holds placed due to legal process; iii. We add pending deposits that are immediately available for your use (see Section 3 titled “General Information About Deposits & Funds Availability” for details); and iv. We subtract pending withdrawals that we have either authorized (such as Card purchases and ATM withdrawals) or are known to us (such as your preauthorized automatic ACH withdrawals that we receive for payment from your account) but have not yet processed (see Section 5.d. titled “Money in Your Account May Be Held Until a Transaction is Completed” for details).

Determining Your Account’s Available Balance. The “Available Balance” of your account is defined as the most current record of the amount of money in your account available for your use or withdrawal, which does not include any money in your High- Yield Savings Account. We use the Available Balance to authorize your transactions during the day (e.g., Card purchases and ATM withdrawals). We also use the Available Balance to pay your transactions in our nightly processing. Note that the Available Balance of your account may not represent the current balance of the account due to pending transactions. We calculate your Available Balance as follows: i. We start with the ending daily account (posted) balance from our prior business day nightly processing that includes all transactions deposited to or paid from your account (excluding any money in your High-Yield Savings Account); ii. We subtract from this amount any holds placed on a deposit to your account and any holds placed due to legal process; iii. We add pending deposits that are immediately available for your use (see Section 3 titled “General Information About Deposits & Funds Availability” for details); and iv. We subtract pending withdrawals that we have either authorized (such as Card purchases and ATM withdrawals) or are known to us (such as your preauthorized automatic ACH withdrawals that we receive for payment from your account) but have not yet processed (see Section 5.d6.e. titled “Money in Your Account May Be Held Until a Transaction is Completed” for details).

Determining Your Account’s Available Balance. The “Available Balance” of your account is defined as the most current record of the amount of money in your account available for your use or withdrawal, which does not include any money in your High- Yield Savings AccountMoney Vault account. We use the Available Balance to authorize your transactions during the day (e.g., Card purchases and ATM withdrawals). We also use the Available Balance to pay your transactions in our nightly processing. Note that the Available Balance of your account may not represent the current balance of the account due to pending transactions. We calculate your Available Balance as follows: i. We start with the ending daily account (posted) balance from our prior business day nightly processing that includes all transactions deposited to or paid from your account (excluding any money in your High-Yield Savings AccountMoney Vault account); ii. We subtract from this amount any holds placed on a deposit to your account and any holds placed due to legal process; iii. We add pending deposits that are immediately available for your use (see Section 3 titled “General Information About Deposits & Funds Availability” for details); and iv. We subtract pending withdrawals that we have either authorized (such as Card purchases and ATM withdrawals) or are known to us (such as your preauthorized automatic ACH withdrawals that we receive for payment from your account) but have not yet processed (see Section 5.d6.e. titled “Money in Your Account May Be Held Until a Transaction is Completed” for details).

Determining Your Account’s Available Balance. The “Available Balance” of your account Account is defined as the most current record of the amount of money in your account Account available for your use or withdrawal, which does not include any money in your High- Yield Savings Account. We use the Available Balance to authorize your transactions during the day (e.g., Card purchases and ATM withdrawals). We also use the Available Balance to pay your transactions in our nightly processing. Note that the Available Balance of your account Account may not represent the current balance of the account your Account due to pending transactions. We calculate your Available Balance as follows: i. We start with the ending daily account Account (posted) balance from our prior business day nightly processing that includes all transactions deposited to or paid from your account Account (excluding any money in your High-Yield Savings Account); ii. We subtract from this amount any holds placed on a deposit to your account Account and any holds placed due to legal process; iii. We add pending deposits that are immediately available for your use (see Section 3 titled “General Information About Deposits & Funds Availability” for details); and iv. We subtract pending withdrawals that we have either authorized (such as Card purchases and ATM withdrawals) or are known to us (such as your preauthorized automatic ACH withdrawals that we receive for payment from your accountAccount) but have not yet processed (see Section 5.d6.d. titled “Money in Your Account May Be Held Until a Transaction is Completed” for details).

Determining Your Account’s Available Balance. The “Available Balance” of your account Account is defined as the most current record of the amount of money in your account Account available for your use or withdrawal, which does not include any money in your High- Yield Savings AccountMoney Vault. We use the Available Balance to authorize your transactions during the day (e.g., Card purchases and ATM withdrawals). We also use the Available Balance to pay your transactions in our nightly processing. Note that the Available Balance of your account Account may not represent the current balance of the account your Account due to pending transactions. We calculate your Available Balance as follows: i. We start with the ending daily account Account (posted) balance from our prior business day nightly processing that includes all transactions deposited to or paid from your account Account (excluding any money in your High-Yield Savings AccountMoney Vault); ii. We subtract from this amount any holds placed on a deposit to your account Account and any holds placed due to legal process; iii. We add pending deposits that are immediately available for your use (see Section 3 titled “General Information About Deposits & Funds Availability” for details); and iv. We subtract pending withdrawals that we have either authorized (such as Card purchases and ATM withdrawals) or are known to us (such as your preauthorized automatic ACH withdrawals that we receive for payment from your accountAccount) but have not yet processed (see Section 5.d6.d. titled “Money in Your Account May Be Held Until a Transaction is Completed” for details).