Your Available Spending Balance is the amount of money in your account that is currently available to you. Your Available Spending Balance reflects transactions that have posted and some pending transactions.

• Deposits subject to a hold and some pending credits do not increase your available spending balance.
• Withdrawals listed as Pending transactions in Online Banking decrease your available spending balance.

There are several reasons why your Available Spending Balance may differ from the balance in your online statement. Some of the typical reasons are:

• Credits subject to a hold.
• Paper checks that do not change your available spending balance until they are presented for payment.
• $1.00 gasoline authorization holds do not show as pending transactions and decrease your available spending balance.

BM Technologies, Inc. can not know what your true balance is because only you know about outstanding checks and debit card transactions that have not yet been posted to your account