Your account balance is made up of all posted credit and debit transactions. It’s the amount you have in the account before any pending charges are added.
Your available balance is the amount you can use for purchases or withdrawals. It's made up of the account balance minus pending debit card authorizations and holds on funds. Items not reflected in your available balance include, but aren't limited to:
Your Deposit Account Agreement: Debit card authorizations will be reflected as pending transactions from the time we receive the authorization until the merchant presents the item for payment, a completion message is received, or three business days, whichever occurs first.