Right now, a member cannot see how much is really in the account after paying bills. If a payment has been logged into the payment module, it should be easy to reflect that pending payment in the current balance. Since it's all electronic, there shouldn't be any lag time and it would be much more like writing a check down in a check register and subtracting it as you go.
Once the payment module has all the checks submitted for payment, the current balance should reflect everything BECU knows is outgoing from the account.