Although I have worked as an IT Professional for so many years, my first University degree was in Accounting. In Financial Accounting, one of my favourite topics was Bank reconciliation statements.
When checking how much they have in their bank accounts, people usually check how much they have as their balances. It is common when checking bank statements either online or on paper statements sent to customers to see two different bank balances. One would be balance available to spend, while the other will be balances pending transactions that have not been fully processed by the bank.