I would say

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Note added at 1 hr (2015-05-08 02:40:52 GMT)
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our available balance is the money in your checking or savings account that's currently available to you to make purchases, withdrawals, etc. Keep an eye on this balance because it is the balance used to assess overdraft fees or returned item fees. The available balance reflects any processed and pending transactions and any holds. It does not include any checks you have written that have not posted. (Checks are processed during the nightly posting and will be reflected the next day.) The available balance is updated throughout the day with posted or pending transactions — getting cash from the ATM, paying for a burrito with your Debit Card, transferring funds over the phone or online, cashing a check, sending your sister in California money via a wire transfer, etc.


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Note added at 1 hr (2015-05-08 02:42:57 GMT)
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Sometimes funds that you’ve received are not immediately available for withdrawal. This is a common industry practice that we implement to help ensure the safe use of the PayPal service by buyers and sellers alike. The funds will be shown in your pending balance, rather than in your available balance. Funds shown in your pending balance will be moved to your available balance within 21 days. Your pending balance helps ensure there is money in your account in case problems arise with any of your transactions. The money still belongs to you. It’s just temporarily not available to use, until your buyer has received the item they ordered in the condition promised.