Bank Current and Available Balance

Dunno, I always leave a bit of money in my account just in case.

Available is what is in your account disregarding payments that are pending. Current is what you will have after all your payments made will be deducted. Some payments take a few days to process so I would just go with current as the "this is what money I have left". At least that's how it works for my bank.

That kinda depends on the bank, doesn't it?
For instance my bank adds available overdrawing credit etc to "available"... Which means I would NOT use all "available" funds cause then I owe them money...