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Q:

What is ‘Start of day ledger balance’?

A:

This is the opening ledger balance for the day including all uncleared items plus debit and credit transactions known to us at the start of day. It does not change throughout the day.

Start of day balances are produced after the end of the previous business day at about 2am, when we have completed the processing of transactions.

Please note this balance is indicative only. Items can still be returned unpaid up to six working days after they appear on your statement.

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