Which Balance in my bank is the total amount of $ available ?

When I use my online banking and what not, I am displayed two amounts.





Available and Balance.





Available is $29.60. But the Balance is $34.60.





How much money do I have ?|||available is what you have to spend, never go by the balance|||You only have the available balance. This reflects pending transactions that have not posted -- but only those pending transactions that the bank has received. You could have additional outstanding transactions that have not hit the bank yet and actually have much less available.





You should keep a separate check register to track all your transactions and not rely on the bank.|||Are you required to maintain a $5 balance in your account at all times? If so, that's what that means. You have $34.60 but you can only spend $29.60 of that.|||The available of 29.60. Apparently there is pending payment they have already deducted the amount of, but haven't paid out yet.