o you ever get confused about your checking account balance when you log into your checking account online? If so, you are in good company! Many people have trouble discerning the difference between the "balance" and the "available balance." Believe it or not, many people do not realize or have not ever noticed there are two balances listed on their account. As a result, many people end up overdrawing their account and paying hefty fees to their financial institution each month because they looked at the wrong balance.