₦airaland Forum

please I need a banker to help me explain why I can't make withdrawals from my acc. the ATM keeps telling me I have insufficient funds. whereas I received a credit alert of a 100,000naira from my sis who stays overseas some days ago. why is the money in ledger balance and not in available balance? take a look at the SMS I received..

whyteteeth:
please I need a banker to help me explain why I can't make withdrawals from my acc. the ATM keeps telling me I have insufficient funds. whereas I received a credit alert of a 100,000naira from my sis who stays overseas some days ago. why is the money in ledger balance and not in available balance? take a look at the SMS I received..

Thats what FIDELITY does on online transfers. Until you go to the bank n make some explaining like the senders name n amount sent etc the money wont drop. But if it's cash deposit it will reflect immediately.

whyteteeth:
please I need a banker to help me explain why I can't make withdrawals from my acc. the ATM keeps telling me I have insufficient funds. whereas I received a credit alert of a 100,000naira from my sis who stays overseas some days ago. why is the money in ledger balance and not in available balance? take a look at the SMS I received..

There's a lien in the account. U'll need to contact ur bank to why the placed the lien on the account.

stnkembu:
There's a lien in the account. U'll need to contact ur bank to why the placed the lien on the account.

what is a lien?

ekpeye:
Thats what FIDELITY does on online transfers. Until you go to the bank n make some explaining like the senders name n amount sent etc the money wont drop. But if it's cash deposit it will reflect immediately.

oh..really? its a fidelity account. but that's gross.. I need the money before Monday.

The money is simply not cleared completely for withdrawal, patience will do.

The reason is maybe this is the1st time u are receiving such transfer from outside nigeria.
The banks held the funds in compliance withanti-money laundering laws of the federation.
They wouldn't want asituation where money meant formr A iswroJust go to the bank,answer a few questions to confirm u are the real beneficiary and that you know the sender.
Thats all.

The money is in your account but is simply on hold inline with anti-money laundry policy. Depending on the bank, you may exercise some patience to be dropped or visit the nearest branch to let them know you are actually expecting the money.