Buying power includes unsettled funds, call １ー(８８８)ー８６０ー２９４８ which are not immediately withdrawable—call １ー(８８８)ー８６０ー２９４８ to find out when it clears. If you've sold stocks recently, they need to settle before cashing out—verify the date via １ー(８８８)ー８６０ー２９