Available Fund(s) 

Source: Encyclopedia of Banking & Finance (9h Edition) by Charles J Woelfel
(We recommend this as work of authority and you can order it here)

This term has two meanings:

1.   A fund held by a non-stick savings bank in cash or on deposit with another bank or trust company for the purpose of paying withdrawals in excess of current receipts, meeting current obligations, or awaiting a more favourable opportunity for investment.  In New York State this fund is limited to 20% of deposits.

2.   Total funds of a bank available at any time for conversion into earning assets or other investment are not only its deposits but its total capital funds and any borrowed money as well.

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