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Balance and Available Amount Confusion

My bank says that my current balance is $412.60, and that the available amount is 0.00. When I went to buy a coffee today, they said my card was not accepted. I was also charged a $25.00 uncollected funds charge. What's going on?

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It appears that your balance includes money from a check you deposited that has not yet been made available to you. The other possibility is that the bank has held funds for a charge-back of a deposited check from your account. The surest way to get the straight scoop on your question is to call the bank for information.

Published on BankingQuestions.com 7/09/09