Deceiving balances on cellphone, ATM & internet

Embarrased when my payment was decline at a retail store on 14/04. <br> <br> Because my balance on my atm slip, internet banking and cellphone balances reflected RX on 13/04. But it seems my balance was less on 14/04 because the uncleared effects were not correctly accounted for when transactions are processed via my current account debit card. <br> <br> I really feel like Nedbank does not make things happen - There needs to be alignment and more realistic reflection of account balances when things are processed via debit card. As a consumer I need to know the correct amount in my bank account to manage it and not be left with a red face when my card is decline because of insufficient funds.<br> <br> <br> <br>