Pending Debit Card Transactions

When you swipe your debit card, you will be able to instantly see the transaction in your Online Banking. 

Understanding pending status transactions

When you log in to online banking you may see a “Transaction(s) Pending” message next to your checking account balance.

  • So what does this mean? 
    This means there are debit card transactions that have been authorized but have not cleared the account yet. So the “available balance” calculates the funds that you have left in the account to spend. To see what debit card transactions are pending, simply click on your checking account to view the account history. You will see the word PENDING in red next to any transaction that is about post and clear the account. Please remember that pending transactions can take a few days to clear your account.
  • Why show pending transactions?
    Debit card use is rising, and sometimes people forget to log when it was used. We show pending transactions to remind you of funds that have already been committed to spending via your debit card. By being able to see these, you will know what funds are truly available, thus giving you an up-to-the-minute reflection of your available balance.
  • Can I spend more than my available balance?
    In many cases you can, but your account will go negative. The account may incur overdraft fees if the true balance of the account is taken negative. 
  • How quickly will pending transactions come through and post to the account?
    It varies depending on where you use your card and the system that the merchant uses to process their transactions. Some are instant while others may take more time.
  • If I deposit a check and a hold is placed on the funds, how will that appear in the transaction history?
    Check holds will appear just as pending transactions. The funds deposited will not be included in your checking balance until the hold has expired.