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Your accounts, generally, show two key balance types that provide insight into your financial status:
  • Available Balance: The amount you can spend or withdraw at this moment, reflecting all transactions, including those that are pending.
  • Current Balance: The official amount in your account, based solely on settled transactions.

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How balances work by account type

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Credit accounts, such as credit cards

Current Balance: this reflects the total amount you owe, based on all settled charges and payments. It’s the balance you would often see on your credit card statement. Remaining Credit: this is your credit limit minus all transactions, both pending and settled. It represents the total credit remaining and adjusts immediately with each purchase, even before transactions settle.

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Depository accounts, such as checking and savings

Current Balance: the definitive amount in your account, determined by settled deposits and withdrawals. Available Balance: the amount you can use or withdraw right now, determined by adding all pending deposits and subtracting all pending withdrawals from the current balance. This includes deposits that haven’t yet cleared and withdrawals that are still processing.

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Loans, such as auto or student loans and mortgages

Loans are not yet fully supported in Commander, but are on our roadmap.
Current Balance: this indicates the outstanding amount you owe on your loan, which typically decreases with each payment.

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Why your balances might differ

Your available balance and current balance may not always align, often due to pending transactions—those authorized but not yet settled.
  • Pending transactions affect your available balance right away but only update your current balance once they settle.
  • For instance, a purchase might appear as pending for a few days before it settles and reflects in your current balance.

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Common questions

This often occurs when pending transactions haven’t yet settled. Once they do, the two balances should align.
A positive balance means you have overpaid or received a refund, indicating the card issuer owes you money.
Temporary holds from merchants — such as at gas stations or hotels — or bank-imposed daily spending limits might reduce what you can access.

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What this means for you

  • Review your available balance to know what you can spend immediately.
  • Check your current balance for an official snapshot of your account.
Note that any discrepancies between the balance types resolve as pending transactions settle. Your balances update automatically as transactions process, offering a clear, real-time view of your finances.