<prompt> Human: So heres something that happens a little too frequently with US Bank: My gf will check her account and the app will tell her that her available balance is, say, 10. Shell go to work, buy a water and a snack or something adding up to less than her available balance, and go on with her day. After work, shell come home and check her balance again, only to find out that her balance is now negative by some amount with a 36 overdraft fee tacked on. Its almost like she actually had less money than the app told her she had. No purchases that she wasnt expecting have shown up. It seems that some pending transactions have cleared, and thats what makes her negative. Shouldnt an available balance include all pending transactions?  <response>: Avoid this problem by balancing the account like you would a check book. 