Transactions that may reduce your available balance throughout the day include:

• Pending personal checks that you have written and the bank has received for processing
• Pending ACH debit transactions or bill payments that the bank has received for processing
• Pending electronic debits (CheckCard purchases, Zelle transfers, internal transfers, wire transfers)
• Cash that you withdrew at an ATM or branch
• Any bank adjustments for credits previously made available (i.e., a check you deposit is returned for insufficient funds)

Modern bank systems and operations are complex. If you have questions about a specific transaction, please call us at 1-800-REGIONS (734-4667).