What is the difference between balance and available balance?

Your account balance is the total amount of money that is currently in your account, including any pending transactions.

Your available balance is the total amount of money in your account that is accessible for purchases and withdrawals, as it includes the subtraction of pending transactions and holds from your account balance. However, the available balance does not include checks which have not been cashed or any deposits which have yet to post.

Overdraft fees are determined using your available balance.

Our Courtesy Pay and Overdraft Line of Credit can help safeguard against any overdraft fees.  Check your available balances on the go with online and mobile banking.

Haven't downloaded the app?

Download the MVCU mobile app on the App Store or via Google Play.  Follow the prompts to get set up in the application and log in from your smartphone!