What is the difference between "balance" and "available balance"?

I'm using the Prosperity Bank online banking.





It shows my balance, but is shows the available balance as having $300 less than the balance.





I haven't made any recent large transactions, and all of the transactions that I have made (I keep up with all of them) are documented on the website, so I don't know why it shows the available balance as $300 less?|||Your "balance" is the balance at the end of the most recent business day, but the available balance reflects what is available to you after pending holds or authorizations for purchases, such as on a debit card.





A transaction can be documented on the website but may not have yet posted to your account.





Another possibility is that one or more checks you may have deposited is being held for collection.





Your available balance is the one you should go by, with one exception. This probably does not apply to you, since your available balance is $300 less than your "balance." But, some banks offer overdraft protection and include the amount they allow you to overdraw your account in the "available" balance.|||"Balance" is the real balance of your account.





"Available balance" is the balance of your account, plus any extra available funds (overdraft) minus any daily withdrawal limit, and any withdrawals or debits made against that day's available balance.