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TeachMeFinance.com - explain Bank balance historic definition... Bank balance -- This term may be applied either to the balance against or in favor of a bank at the clearing house or to the balance standing to the credit of an individual, firm or corporation in a bank. Copyright © 2007 by Mark McCracken, All Rights Reserved. TeachMeFinance.com is an informational website, and should not be used as a substitute for professional financial or legal advice. TeachMeFinance.com and its owner recommend consultation with a professional financial advisor prior to any investment or financial decision. Please read our disclaimer.