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Genevieve K | To be in credit with your bank account means funds available ? |
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 |
 
G!
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No it does not; it means how much of that money that the bank holds is yours.
Say you have £50 in your account, and a £100 overdraft.
That means the bank is willing to loan you £100 on your requirements. It does not mean that the £100 is yours, as the bank can recinde said offer at will.
Therefore in this case, you have £50 credit and £150 available funds.
Additionally, there is the issue of cleared funds. If your balance is -£100 on that £100 overdraft, and a cheque of £200 is deposited on Monday, then:
On Tuesday, you have a balance of -£100, a DEFICIT (loss, the opposite of the adjective Credit) of £100, and 0 available funds.
On Wednesday, you have a balance of -£100, a DEFICIT (loss, the opposite of the adjective Credit) of £100, and 0 available funds.
On Thursday, you have a balance of -£100, a DEFICIT (loss, the opposite of the adjective Credit) of £100, and 0 available funds.
Lastly on Friday, you have a balance of +£100, in credit of £100, and £100 of available funds.
It even works without an overdraft, and is a lot simpler. Zero balance with £100 cheque paid in:
M, T, W, T: you have a balance of 0, 0 Credit and 0 available funds. |
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Marshmallow
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No it doesn't. Your credit balance will include uncleared cheques or overdraft limits. Your available balance will not include any uncleared cheques, and money waiting to debit from switch payments will not be available, although it will show your your balance including an overdraft. ie if you switched something for £50 yesterday, take £50 off your credit balance. |
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patsy
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Yes if you are in credit you have funds. If you are in Debit you owe them money and are overdrawn. If you are checking online, make sure you check your available balance because the total in amount showing that's in credit doesn't always mean that's the amount you can withdraw. You may have payments that haven't cleared or cheques paid in that haven't cleared yet. |
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Robespierre
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Generally, yes. But don't forget that uncleared cheques or transfers show as credit but you can't withdraw from them. |
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alatoruk
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means cleared funds available |
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TheYorkshireRose
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No not necessarily. If you have paid any cheques in recently they may still be in process of clearing so will be included in ledger balance but not available/cleared balance.
Also if you have Switch card or visa debit card on account and have used that recently, funds may not yet have been debited from your account as this usually takes approx. 3 days. Your account 'knows' these funds are due to come out so earmarks them so they aren't available either. |
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Avalon
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give yourself a pat on the back for figuring that one out |
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jothehutch
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yes, brain of britain |
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richard_beckham2001
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yes |
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DeeDee
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Yes it should do. |
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xXx Orange Breezer xXx
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my god your clever, how did you ever work that out?!?!?! |
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