Your available balance reflects the total amount you can withdraw. It is the ledger balance plus any deposit transactions, less withdrawals and debits from the account in the current business day.
Items that are not included in your available balance include any outstanding personal or individual bill pay checks. These items will post once the payee has deposited or cashed the check.
Cash, check and ACH credits are available immediately. Some deposits may not be available immediately due to holds. For questions about a hold on your deposit please speak with your Financial Services Associate.
Current balance reflects any transactions that posted before the nightly processing cut off time. Available balance reflects your balance after the cut off with real time and most recent transactions.
Memo posted transactions are any transactions that have occurred after the nightly process cutoff time.
To place a stop payment on a check or ACH transaction please visit an Essex Bank Location nearest you and a Financial Services Associate will be happy to assist you. A fee will be charged to the account per stop payment request.
Account activity can be viewed up to 180 days or 6 months.
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