Usage patterns
〈物〉の残高を確認するto check the balance of (an account, card, etc.)
I checked my bank account balance using a smartphone app.
残高が不足するto have an insufficient balance
The balance was insufficient, so I couldn't pay at the convenience store.
残高が増える/減るfor a balance to increase/decrease
The card balance gradually increases with each month's salary.
〈物〉に残高がある/ないfor there to be/not be a balance remaining on something
There's still a balance left on this prepaid card.