<prompt> Human: Im a full time YNABer, but would like to have the same instant tracking I put in manually on my phone to also show up as a pending or new transaction on my online checking account. I currently have a great credit union, but they do not offer this feature and this is 2012, the idea of balancing a checkbook is horridly outdated. The issue in particular is seeing things like: Checking Account 1 Balance: 500.00 Checking Account 1 Available: 75.00Thanks! I realize you, the bank, are processing some of my money, but where, exactly, is the invisible 425!!??Of course Ill have this info in my YNAB, but Id like to think my bank is on top of my money as much as I am. I remember a commercial where BoA offered instant tracking but, if possible, Id like to avoid any banks that charge any sort of checking fees or are evil if they do offer instant transaction updates.  <response>: the idea of balancing a checkbook is horridly outdatedI think maybe you dont know what this means. It has nothing to do with a physical checkbook. It has to do with comparing every credit and debit your bank made to your account with your own accounting down to every single transaction. Maybe your personal finances arent particularly complicated, but for any account with a large amount of activity, balancing is really important because duplicate charges and mistaken entries are common.Id like to think my bank is on top of my money as much as I amAgain, youre confused. This rarely has anything to do with your bank. Trust me, your bank is 12 million times more eager than you are to have debits appear immediately. Not every place you spend money reports the debit immediately and this is 90 of the wait. The invisible 425 has been spent on people who havent reported it yet and this very common delay explains partially why balancing your checkbook is still important. 