What is the difference in banking between available and balance when talking about how much money you have?

Available balance is your balance you can use based upon any holds from deposited or pending items not yet posted but are pending.





Your Current balance is a running balance reflecting all transaction presented to your account weather they are on hold, pending or posted.





Always go by your available balance, put keep in mind neither available or current balance my be 100% correct if not all outstanding items have come in. (such as out standing checks, or debit card purchase, Direct deposits, or electronic payments)|||Available means what you can actually take out at that moment. The balance can be varied based on transactions that are pending and haven't cleared the bank yet.