M&T Bank : Understanding your account balance
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Account Basics: Understanding your account balance
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When you deposit a check into your account, the entire amount is not always immediately available for your use in writing checks or making withdrawals or purchases. Availability of funds from a check deposit depends upon several factors, including the type of account you have and what bank the check is drawn on. Please refer to the example below to help you understand the difference between available and total balance.

Definitions of Available Balance vs. Total Balance Comparison  Example of Timing of a Check Deposit Into Your M&T Account 

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