The 'Balance' column of your statement reflects only the deposits and withdrawals that have posted to your account. Recent deposits shown here may be subject to holds and may not be fully available to spend. Recent purchases may not appear on the statement because they may not have been processed by the merchant.

BM Technologies, Inc. can not know what your true balance is because only you know about outstanding checks and debit card transactions that have not yet been posted to your account

Remember, transactions can take time to appear on your online statement so it's essential that you track your own purchases as they happen to prevent over spending.