What is the difference between Ledger and Available balance in my checking?

I deposited my paycheck via ATM on thanksgiving... I deposited a 287$ check... I took 100$ cash from it... deposited 187... and NOW on my online account it says available balance 1.97 which is what i had before the check and ledger balance of 190..... but my card keeps getting declined... I don't know what this Ledger balance is??|||The ledger amount is your actual account balance... and the available amount is the amount available for you to spend. The difference is the amount of funds that are on hold. Depending on your bank and your history with the bank, they can place a hold on deposited funds anywhere from a day to several days. So it sounds like that deposit you made on Thanksgiving is currently on hold. Do not use your debit card until you know those funds are released, your bank may charge you a fee. If you're not sure about the hold, you can always call your bank and ask them when your ledger balance will be available to you in full.|||It takes time for the money to actually enter your account when you make a deposit. Usually it's the next business day, but since you did it on a holiday it may not clear until this week (should have gone in by now. If not, call your bank). Sometimes the bank will give you the first $100 from a newly-deposited check right away, even if the check hasn't cleared yet. This would be the money you took out when you deposited it. So your ledger shows you have $190 (because the rest of that $287 check you deposited is on its way), but you only have $1.97 available because the bank hasn't cleared the deposit of the check yet. If you're using a debit card, you only have the available balance to work with, so unless you make a purchase smaller than $1.97, it's going to get rejected.