How much money do I have in the bank??

Question

It said my current balance was: $X.XX and my available balance is: $X.XX which one is my actual balance I’m confused because my available balance is more than my current balance.

Answer

Available

Answer

Available balance is what is available for you to spend. It includes pending transactions. 
Current balance is what is in the account. It only counts transactions that have hard posted to the account. 
The BEST way to know you balance it to actually track your spending. Use a register and a budget. Because while your available balance today may say you have $1000 you know that in two days your cell phone bill, gym membership, insurance etc... will come out. So you don’t actually have $1000 to spend today. Minus the bills it’s closer to $500. Track your spending and make a budget!

Answer

Whichever one is lower is the one I’d go with. It may say the funds are still available if a transaction isn’t processed yet due to the holiday.

Answer

Available is what you have, minus/plus anything that you may have spent or received, but can't currently see on your statement. I'd base what you have on the lowest one though, just in case. That way it's a bonus if you have more than you expected, rather than the other way around

Answer

I think the availble balance includes currently pending transactions. So that's what you have once everything goes through, I think.

Answer

It depends on pending. It factors in things like autopay bills or transactions that haven’t been taken out yet, if you made a deposit there may be a hold on a check. Your available balance is the one you should go by it is what you have access to the current balance is more subject to change

How much money do I have in the bank??

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