Balance Fields

Every account in ModernFi returns two balance fields:

What this means in practice

totalBalance reflects confirmed, finalized activity only. pendingBalance gives you a forward-looking view that includes transactions still awaiting posting.

Once any transaction has been created on an account, pendingBalance will not return $0 unless the account has been fully cleared. Both values reflect the account state at the time of the API call; no running or intraday balance is available.

Which one should I use?

Use totalBalance for reconciliation and reporting. Use pendingBalance when you need to account for in-flight transactions. For example, to prevent an overdraft before a credit has posted.