User Help

Summary

Account Summary is a snapshot of your accounts as of a specific date.

To view account activity for a specific account, click on the underlined account name from the list of accounts.

Personal Deposit Accounts:
  • The The Available Balance column shows the portion of your balance that is immediately available for use. The Available Balance is the current balance, less any holds, plus certain deposits and minus withdrawals that are part of the day’s activity.
  • The Current Balance column shows the balance of your account that is updated every business day from the transactions that have cleared your account the previous business day. The Current Balance is the actual balance in your account on a specific day, and does not reflect any holds or pending transactions (transactions not yet posted)

Prepaid Cards:
  • The Available Balance column shows the balance on your card that is immediately available for use. Prepaid Cards provide customers with the convenience and security of a card product without the need for credit approval. Customers can replenish the card with funds from their Commerce deposit accounts as needed. Funds transferred to your Prepaid Card are available immediately after your transfer occurs.

Certificates of Deposit:
  • The The Current Balance column shows the actual balance of your Certificate of Deposit
  • The Available Balance column shows the balance of your Certificate of Deposit less any holds placed by the bank. Penalties for early redemption may be imposed

Individual Retirement Accounts:
  • The Current Balance column shows the actual balance of your Individual Retirement Account
  • The Available Balance column shows the balance of your Individual Retirement Account less any holds placed by the bank. Penalties for early redemption may be imposed

Credit Cards:
  • The Current Balance column shows the actual outstanding principal balance of your account that is updated every business day. It includes the transactions that have cleared the previous business day. It does not reflect any holds or pending transactions (transactions not yet posted)
  • The Available Credit column shows the amount available for immediate use. Available Credit is the unused amount of your total authorized credit line. It is calculated based on the Current Balance (all items posted to your account) minus any outstanding authorizations or pending purchases

Visa® Signature Card:
  • The Current Balance column shows the actual outstanding principal balance of your account that is updated every business day. It includes the transactions that have cleared the previous business day. It does not reflect any holds or pending transactions (transactions not yet posted)
  • The Available Revolving Credit Line is the unused amount of your total authorized Revolving Credit Line/Cash Limit. The Revolving Credit Line is the maximum amount of your Account balance you can carry over from month to month. The account is subject to a limit on Cash Advances. This Cash Limit is equal to the amount of your Available Revolving Credit Line minus previous purchases, accrued interest, and any fees

Credit Line:

This section displays the Anytime Line of Credit (ATL), Branch Line of Credit (BLOC) and ReadyLine of Credit.
  • The Available Credit column shows the portion of your balance that is immediately available for use. It is calculated based on the original amount of the line, minus the outstanding balance minus interest owed. The Credit Line represents the maximum balance that can be carried on an account
  • The Current Balance column shows the actual outstanding principal balance of your account that is updated every business day. It includes the transactions that have cleared the previous business day

Loans:

This section displays personal loan balances and home equity loan balances.
  • The Current Balance column shows the actual outstanding principal balance of your account that is updated every business day. It includes the loan payment and accrual of interest that have cleared the previous business day