Differences in Total and Available Balance
Total balance is the total amount of money in your account, comprising of available
balance (usable funds) & earmarked/holding balance (non-usable funds).
Total Balance
| Available Balance | Earmarked Amounts | Holding Balance |
| Available balance refers to the balance in your account available for spending, withdrawal or transfers. | Earmarked Amounts are funds set aside, possibly due to Debit Card spending and/or promotional Fixed Deposits that you may have signed up for. | Holding Balance indicates that a cheque deposit have been made into your account and is currently being processed for clearance.
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