Total Balance vs. Available Balance

Learn the difference between your total  and available balance to help identify your funds availability.

Total Balance

The previous business day’s ending balance, plus or minus certain limited transactions that are processed real-time. Balances from pending transactions that have not posted to your account may not be reflected. Your total balance also does not include checks or other transactions you may have initiated that have not yet been presented to the bank for payment.

Available Balance

Your available balance is the amount of money you can spend. You can use your available balance to withdraw cash, make debit card purchases, write checks and pay bills online. It’s useful to know your available balance so you don’t accidentally make one purchase too many that will overdraft your account.


You can check your bank account balance using online or mobile banking tools anytime, anywhere. You can also speak to a teller or follow the on-screen instructions of an ATM to check your balance. M&T Bank’s Customer Service can also be used to obtain your account balance. Call us at (800) 724-2440, 24 hours a day, 7 days a week.

Your total and available balances may vary if your account has pending check deposits, debit card purchases and ATM transactions that haven’t cleared the account yet. 

Your Banking Needs Are Important

We know you count on your personal checking and savings accounts to meet your everyday banking needs. With M&T, you can count on so much more. Discover how we go beyond the basics to meet all your banking needs in the branch and online, now and in the future.

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