The available balance in your account is the balance that is available to you for immediate use. You may transfer those funds out of your account, use those funds to make debit card purchases and ATM withdrawals and use those funds for other electronic funds transfers set up outside of Spiral. Your available balance does not include any funds that were transferred from another institution that are still on hold. Transactions on hold will state "In Process" in the account history and there will be a notification on the home page stating when those funds will be available in your account.
All banking services are provided by nbkc bank, Member FDIC.