So I always thought that available balance meant that you had that much available. Not at US Bank. I had a that they appeared to clear and showed up as an available balance until 10 days later when my account suddenly showed up negative. I was sure that this was wrong so I went in to see what had happened. I guess that when I was doing my banking I forgot to sign the back of my check. Why I never got a call about this I am not sure. Instead they didn't contact me at all and every purchase from the time I deposited the check to now (11 days later) has got an overdraft charge on it in excess...review »