Explorer showing different balance then my Blockchain wallet My Blockchain wallet address on the explorer, shows a low balance (under .001) but when I log into the wallet I can see what should be there about .25 BTC. My Electrum wallet is also doing the same. When I look at the explorer I see "unspent" transactions together with actual transactions.

It seems there are what seems like sub-addresses or something that are holding the rest of the coins. At first I thought coins were missing but I did a transfer to another account and it went through fine even though it was for more btc than what the exporer showed I had.... Confused to say the least,.. Thanks in advance for any insight.
You don't have just one address.  It is normal for a wallet to hold your coins distributed across many different addresses.  This is for privacy, since it makes it harder for the public to determine your total coin holdings.  For instance, whenever you ask someone to pay you, you would usually generate a brand new address that you have never used before and ask them to pay that address.  That's what the "receive" function on most wallets would do.

It is possible for a transaction to draw coins from more than one address.  Your wallet does this automatically when you make a transaction that is larger than the balance of any single address.

Your wallets may have a way to show all your addresses which currently contain coins; you could look those up in a block explorer and the total should come out right (assuming all your incoming and outgoing transactions have confirmed).