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Routing Number: 272479663 Swift Code: MSUCUS44
 
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What is Balance vs. Available Balance?
Your account has two balances: "Balance" and the "Available Balance."

Your Balance reflects the total amount for all deposits (including deposits that may be on hold and are not available for you to spend) minus any transactions that have posted to your account. Your balance does not include pending transactions.

Your Available Balance reflects the amount of money in your account that is available for you to spend or access. Your Available Balance is the Balance minus pending transactions and holds that may be placed on deposits that have not yet posted to your account.
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