We have two different ways to view your balance. Your Total Account Balance is the current amount available to send payments and make purchases. This will include funds in your Reserves however pending amounts are not included.
The Available Balance is the money in your account available to spend. These are the funds that have not been allocated to a Reserve and are not currently being held for a Pending transaction. Therefore, the 'Available Balance' will show you how much money you are able to spend at any current moment without going into an overdraft.
Please note that debit card purchase or external withdrawals greater than your Available Balance may successfully post if there is sufficient balance in your Reserves to cover the remaining amount.