Why is there a difference between my balance and available balance?

A difference in your balances could occur if you have a Direct Deposit that may not be available, or a recent Debit Card transaction. The available balance is the current balance minus any holds, pledges, pending debits, certified drafts, etc. The available balance is the amount you have access to withdraw. You will always have $5 more in your savings balance, because of the $5 membership to join Veridian Credit Union.