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Message: <blockquote data-quote="leemozoid" data-source="post: 4268672" data-attributes="member: 28646"><p>Common practice in banking. A check isn't money. It's a promissory note. Read your account agreement. If you don't have matching funds on deposit a bank may hold a portion of the deposited item pending it's clearance with the issuing bank. Generally the portion that it held back will be released after one business day but depending on where the payor's bank is located that can be longer. That's why you see two "balances". Your account balance reflects the entire amount of the deposit. You're available balance is what your bank feels is a safe balance between good service and protection from potential fraud.</p></blockquote><p></p>