Your account's actual balance only includes transactions that have posted to your account to that point in time.
Your available balance is the amount you can use for purchases or withdrawals. It's made up of your account balance minus any pending debit card authorizations and holds on funds.
We use the actual balance to determine whether your account is overdrawn when posting transactions to your account.
We use the available balance to determine whether there is enough money in your account when authorizing an ATM, debit card, Zelle or other electronic transaction.
Be aware that some things are not included in your available balance such as checks you've written that haven't been cashed and upcoming automatic payments, like gym memberships, car payments, or future payments scheduled through Bill Pay. You should also keep in mind transactions where the final amount may differ from the authorized amount (like when a tip is added). We do not have any control over when outstanding or pending transactions are settled by the other party.
Note, your "available" balance may not be the same as your account's "actual" balance which means an overdraft or NSF transaction could occur regardless of your account's actual balance.