OK bankers help me out please.?
Answers:
It could be several different things.
The ATM could have a malfunction or not making a connection to banks system to get approval.
The fraud protection dept at your bank put a freeze on the card due to unusual or large purchases and they want to verify them with you first. (a very common thing believe or not)
The ATM or on line hasn't update to reflect all items being presented and your true available balance.
You could have a deposit on hold that hasn't been fully made available yet.
Either way contact your bank and they can verify exactly what it is, and correct any errors if there are any.
Had the money in your account "cleared". When I check my account, sometimes the balance is more than the available balance. I think it means the money is on its way but they haven't finished processing it yet. Considering most of it's done automatically by computers I don't see what the hold-up is.
As you can tell, I don't work in the banking or financial industry, so this is just my observation.
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