They're not updating transaction history to match available balance. You'll go check your balance to see 200 is missing, but transactions history shows only $10 was taken leaving a huge gap wondering where the $190 went. Or you'll Pay a bill that says on their end paid but the money still in the account a week later. Luckily I'm always writing down what comes and goes but a lot of people count those live updates to work work as they are attended to do