CU@home displays two balances – Current Balance and Available Balance. On a day-to-day basis, the best number to use is your Available Balance. It takes into account your recent activity and your pending transactions. Your Current Balance can be used to balance your register, but it’s not a good reference for knowing how much money you can spend.
NSF (non-sufficient funds) fees are charged based on your Available Balance, not your Current Balance. If you’ve spent more money than you have, even if those transactions are still pending, you may be charged an NSF fee.
Neither balance takes into account ACH transactions or checks that have not cleared your account.
GRAY TRANSACTIONS IN ACCOUNT ACTIVITY
The transactions in gray are part of Recent Activity. This section reflects transactions that haven’t cleared your account yet, as well as current-day transactions like CU@home or in-branch deposits and transfers. Gray Recent Activity is figured into both your Current and Available Balance.
WHY WOULD I NEED TO SEND A SECURE MESSAGE?
Send a secure message within CU@home when you have a specific question about your account or need general assistance with CU@home or SLFCU products and services. Never send your account number or other private account information by regular email.
If you don’t need an immediate response, sending a secure message can save you a phone call. Messages are answered by a representative within one business day, Monday through Friday from 8:00 a.m. to 5:00 p.m. Set up an alert in CU@home so you’ll be notified when you receive a secure message.
To send a secure message, log in to CU@home and click the “Messages” tab. To set up a message alert, go the “Alerts” tab and click “Schedule a new alert.”
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