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Help with my Bank Account

Account balance

Your account balance is the amount of money in your account and includes all transactions posted. Overdraft protection and Operating Line of Credit, if applicable, are not included in your account balance.

Available funds

Your available funds are the amount of money available to you to cover debit transactions from your account. Debit transactions include:

• cash withdrawals from an Automated Bank Machine (ABM)
• point-of-sale purchases
• bill payments
• transfers out of your account
• Interac ^® e-Transfers

Your account balance and your available funds may be different if:

• You have funds in your account that are currently on hold
• You have overdraft protection on your account

Calculating your available funds

Available Funds = Your Account Balance + Overdraft Protection (if applicable) – Funds on Hold

Funds on hold

Funds on hold are deposits you have made to your account that have not yet been cleared by the bank.

Examples of deposits that will be held until cleared include:

• deposits at an ABM or branch
• non-cash deposits to a new account
• foreign currency deposits
• cheques drawn on a financial institution outside of Canada

Hold funds usually clear within three to five business days.

A note about overdraft protection

For more information about overdraft protection including interest rates and fees, see the Agreements for Business Banking brochure and the Better Banking Guide for Business brochure.

Transaction codes

Every transaction completed on your account has a code that appears in your account history. Please refer to the chart for the code and corresponding transaction type.

Code	Transaction Type	Code	Transaction Type
AD	Adjustment	LP	Loan Advance
BC	Bill Payment Cancelled	LT	Large Volume Account List Total
CB	Cheque Posted by Branch	MB	Multi-Branch Banking®
CC	Certified Cheque	NR	Non-Resident Tax
CD	Customer Deposit	NS	Cheque Returned NSF
CK	Cheque	NT	Nesbitt Burns Entry
CM	Credit Memo	OL	Online Debit Purchase
CW	Telephone/Online banking	OM	Other Automated Banking Machine
DC	Other Charge	OV	Online Debit Refund
DD	Direct Deposit/Pre-authorized Debit	PR	Purchase at Merchant
DM	Debit Memo	RC	NSF Charge
DN	Not Service chargeable	RN	Merchandise Return
DR	Overdraft	RT	Returned Item
DS	Service chargeable	RV	Merchant Reversal
EC	Error Correction	SC	Service Charge
FX	Foreign Exchange	SO	Standing Order
GS	Tax	ST	Merchant Deposit
IB	Instabank®	TF	Transfer of Funds
IN	Interest	TX	Tax
LI	Loan Interest	WD	Withdrawal
LN	Loan Payment