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

Your balance is the amount in your account that has cleared. It does not include pending transactions. Your available balance is your account balance minus any pending transactions such as debit card authorizations and holds you might have on your account.

Recent card transactions may show as pending. A pending transaction occurs whenever a transaction (purchase or payment) to your card is pending overnight processing. Sometimes it can take a few days for the merchant (i.e. retailer) to complete the transaction; in this case purchases will appear as pending until the transaction is completed. Sometimes merchants apply a pre-authorization (common at gas stations and hotels). This pre-authorization also appears as pending and should disappear once the final transaction is processed.