ACH Automated Clearing House

The system used to support electronic transactions such as direct deposits and direct debits.

Available Balance

The official balance of your account, plus or minus any pending transactions that have not posted yet.

Bill Pay Payment

A transaction you initiate through Woodforest Online Banking systems to pay a bill.

Bounced check

A check that a bank won’t honor because you don’t have sufficient funds in your account.

Check Register

Personal record of your checking account used to track transactions to your account.


Any transaction that increase your balance (e.g. deposit).


The three-digit code found on the back of debit cards. Provides extra protection for online purchases, ensuring that whoever is entering the transaction has actual possession of the card.


Any transaction that decreases your balance (e.g. debit card purchase).

Direct Debit

An electronic debit that you have authorized with your account number and the bank’s routing number.

FDIC Federal Deposit Insurance Corporation

A United States government corporation that guarantees checking and savings account deposits in member banks up to $250,000 per depositor.


When funds from a check deposit are delayed.


Interest is the price paid to a lender for the use of the money loaned. Interest is earned as a percentage of your average balance on eligible accounts.

Ledger Balance

The official balance of your account, reflecting all transactions that have posted.


The operator of a business that sells goods or services, such as a store, restaurant or gas station.


One to whom money is paid, or is to be paid

Pending Transaction

A transaction that was conducted recently that hasn’t posted to your account (e.g. a debit card purchase, ATM withdrawal, or deposit made on the current business day).

Point-of-Sale (POS)

A transaction conducted using your debit card.


The process of clearing transactions that occurs each night. When a transaction posts, this is reflected in your ledger balance.

Pre Authorization

A pending transaction resulting from a debit card transaction.

Wire Transfer

A bank-to-bank electronic transfer of funds.

Woodforest National Bank

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