diff --git a/src/wallet/wallet.cpp b/src/wallet/wallet.cpp
index 95a50dc50..dd52bc8c6 100644
--- a/src/wallet/wallet.cpp
+++ b/src/wallet/wallet.cpp
@@ -1545,7 +1545,7 @@ CAmount CWallet::GetUnconfirmedBalance() const
         LOCK2(cs_main, cs_wallet);
         for (std::map<uint256, CWalletTx>::const_iterator it = mapWallet.begin(); it != mapWallet.end(); ++it) {
             const CWalletTx* pcoin = &(*it).second;
-            if (!IsFinalTx(*pcoin) || (!pcoin->IsTrusted() && pcoin->GetDepthInMainChain() == 0))
+            if (!pcoin->IsTrusted() && pcoin->GetDepthInMainChain() == 0 && pcoin->InMempool())
                 nTotal += pcoin->GetAvailableCredit();
         }
     }
@@ -1587,7 +1587,7 @@ CAmount CWallet::GetUnconfirmedWatchOnlyBalance() const
         LOCK2(cs_main, cs_wallet);
         for (std::map<uint256, CWalletTx>::const_iterator it = mapWallet.begin(); it != mapWallet.end(); ++it) {
             const CWalletTx* pcoin = &(*it).second;
-            if (!IsFinalTx(*pcoin) || (!pcoin->IsTrusted() && pcoin->GetDepthInMainChain() == 0))
+            if (!pcoin->IsTrusted() && pcoin->GetDepthInMainChain() == 0 && pcoin->InMempool())
                 nTotal += pcoin->GetAvailableWatchOnlyCredit();
         }
     }
@@ -1660,6 +1660,11 @@ void CWallet::AvailableCoins(
             if (nDepth == 0 && !pcoin->InMempool())
                 continue;
 
+            // We should not consider coins which aren't at least in our mempool
+            // It's possible for these to be conflicted via ancestors which we may never be able to detect
+            if (nDepth == 0 && !pcoin->InMempool())
+                continue;
+
             for (unsigned int i = 0; i < pcoin->vout.size(); i++) {
                 bool found = false;
                 if (nCoinType == ONLY_DENOMINATED) {