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# Balance Fields

Every account in ModernFi returns two balance fields:

|                  |                                                                 |
| ---------------- | --------------------------------------------------------------- |
| **Field **  | **What it reflects **                                      |
| `totalBalance`   | Only **POSTED** transactions. This is the fully settled balance |
| `pendingBalance` | All **POSTED + PENDING** transactions combined                  |

## **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.