My ledger balance and my available balance in my bank account are the same amount of money, is this bad?

for example:


ledger balance : $100


available balance : $100





what does this exactly mean?|||That's way good.





The ledger balance is what is sitting in your account at the moment.





The available balance is the ledger balance minus any pending transactions.





Pending transactions are purchases that have been made but have not gone through yet.





When the two are the same, you have no pending transactions.|||It means that the banks records match yours which is a good thing. you won't overdraft|||it means your book are balanced. this is a good thing|||it means you keep good books and it's a good thing.|||Sometimes it takes some time for a transaction to fully post. You might make a deposit that would show up on the ledger but not be available yet because it hasn't fully cleared.|||Good for you.|||This means all of your transactions have cleared the bank and that you have no deposits/payments pending.





Say, you purchase dinner on your debit card for $25, it may take 24 hours for that transaction to post. However, the record would still be on your account taking away from your "available" balance.


In that case:


ledger balance : $100


available balance: $75|||It is only bad if your ledger balance is zero. At my bank my availabel balance is $600 more than my ledger balance. The important figure is the available balance!