SQL Server :: Query For Available & Ledger Balance

I have a web page that allows user to make transaction and they are allowed to choose if they want their transaction to be immediately transferred to the payee or for future transfer. I have problem handling future transfer, for an example, I want to transfer $100 to A on 12 August but today is only 09 August. So the amount should be deducted . I decided to make 2 balances; Available and Ledger balances. Available balance is the net balance after doing all the future transfers etc. but for ledger balance is what is available at the point of time. I'm thinking how should I form the query for the SQL statement. Currently, this is what I have. Transfer code = 2 -> future transfer

IF (@TransferCode = '2')
BEGIN
--Insert into the account transaction table first--
INSERT INTO ACCOUNTTRANSACTIONS (AccountTransID, CustID, TransDate, TransType, Reference)
VALUES (@AccTransID,@CustID,@Date,@TransType,@Reference)
IF NOT (@Date = Getdate())
IF (@Withdraw > @BankBal)
BEGIN
INSERT INTO ACCOUNTTRANSITEM (AccountTransItemID, AccountTransID, AccNum, Withdraw, Deposit, status)
VALUES (@AccTransItemID, @AccTransID, @AccNum,@Withdraw,@Deposit, 0)
PRINT 'INSUFFICIENT AMOUNT IN BANK'
SET @ReturnValue = 4
RETURN @ReturnValue
END
ELSE
BEGIN
INSERT INTO ACCOUNTTRANSITEM (AccountTransItemID, AccountTransID, AccNum, Withdraw, Deposit, status)
VALUES (@AccTransItemID, @AccTransID, @AccNum,@Withdraw,@Deposit, 1)
END
ELSE IF (@Date = GETDATE())
BEGIN
IF (@Withdraw > @BankBal)
BEGIN
INSERT INTO ACCOUNTTRANSITEM (AccountTransItemID, AccountTransID, AccNum, Withdraw, Deposit, status)
VALUES (@AccTransItemID, @AccTransID, @AccNum,@Withdraw,@Deposit, 0)
PRINT 'INSUFFICIENT AMOUNT IN BANK'
SET @ReturnValue = 4
RETURN @ReturnValue
END