Banks report two balances for each of your accounts: Total Balance and Available Balance.
Your Total Balance is the total amount held in your account. Your Available Balance might be higher or lower than your Total Balance, and accounts for pending transactions in your bank accounts that have not yet cleared. Max takes into account both your Total and Available balances in calculating your optimization, to help prevent overdrafts.
By default, Max shows your Total Balances on your Max Dashboard. You may toggle between viewing your Total vs. Available balances by clicking on the question Mark (?) next to "Total Balance" and then selecting either Available Balance or Total Balance.