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Available balance is how much money you are able to spend right now, including any pending transactions. Meanwhile, the current balance shows how much money is in your account without subtracting pending payments or withdrawals. Current balance can be useful in some situations, like when doing your monthly budgeting.

Your Account Balance Ledger Balance: The “official” balance on your account. It includes all transactions that have posted to your account as of the last business day. At Woodforest, we post transactions 7 days a week. Available Balance: Your ledger balance, plus or minus any pending transactions.

It's the amount you have in the account before any pending charges are added. Your available balance is the amount you can use for purchases or withdrawals. It's made up of the account balance minus pending debit card authorizations and holds on funds.

Top 250 US Banks by Asset Size (2023) RankNameTotal Assets63UMB BANK, NATIONAL ASSOCIATION$ 38,279,05564PROSPERITY BANK$ 37,695,97065BARCLAYS BANK DELAWARE$ 37,462,00066BANKUNITED, NATIONAL ASSOCIATION$ 36,897,184148 more rows • Jan 16, 2023

UMB Bank, National Association's money market rates are 10X the national average, and it has a B+ health rating.

City National acquired several other banks over the years as banking laws changed. In 1969, it reorganized as a holding company, Missouri Bancshares, which changed its name to United Missouri Bancshares (UMB) in 1971.

Available balance is how much money you are able to spend right now, including any pending transactions. Meanwhile, the current balance shows how much money is in your account without subtracting pending payments or withdrawals.

Your available balance is the amount of the account's present balance that is available for immediate use. Certain pending transactions, such as deposits that contain checks, may not be immediately available and wouldn't be included in the available balance.