What is the difference between Total Balance and Available Balance?

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, as it 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 and proposing your optimization to help prevent overdrafts.

Max shows both Total Balance and Available Balance for each of your accounts on your Max Dashboard.