The balance that appears on the alert email is today's opening balance on your account and is time-stamped and amended to reflect any lodgements, withdrawals or payments made on your account today.
It does not include any Debit Card transactions not yet posted to your account including those appearing in 'Pending Debit Card Transactions'*.
* Note: There may be debit card transactions which are not reflected in your 'Pending Debit Card Transactions' or 'Available Funds' where they have not yet been advised to us due to the nature in which the merchant processes debit card transactions.