I keep a tight checking account. I made a deposit after the cut off time of 4pm through the wachovia atm at the branch. After making the deposit, the available credit rises the first $100.00 of the deposit. So in other words if you have $100.00 already in the bank, you make a deposit of $500.00 through the atm; just after the deposit you check your balance; the available amount of funds increases to $200.00. After which, if you use your debit or make a check card purchase and the transaction goes over the $100.00, but less than $200.00... read full review »