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It is always important for you to know your available balance before you make a payment or purchase. When you look at your account information online, you will see your account’s current available balance. This is the bank’s most current record of the money that is available for you to withdraw from your account. However, the bank’s available balance doesn’t include transactions that you have made that are not yet known to us, for example checks you have just written or the car payment you just authorized.
That is why the best tool to help you avoid overspending is your own personal transaction register. Use your transaction register to record every deposit and withdrawal you make whether it is by check, ATM, debit card, or automatic payment (e.g., your car payment or gym membership). Only you know all the transactions that will affect the balance you have available for making that next payment.
What happens when you spend more than you have in your checking account? There are several possibilities.
Wells Fargo offers services, such as online and mobile banking and text alerts that help you monitor account activity and the current available balance. But remember – you will always be in the best position to know exactly how much money you have to spend when you keep an accurate and current record of every transaction you have made or that may be automatically paid from your account on a future date.
We’re committed to your financial success. Here you’ll find a wide range of helpful information, interactive tools, practical strategies, and more — all designed to help you increase your financial literacy and reach your financial goals.
This balance may not reflect all of your transactions, such as checks you have written or debit card transactions that have been approved but not yet submitted for payment by the merchant.
A personal record of your checking account.