Pending Transactions: What They Are and How They Work

Sometimes transactions, especially credit card transactions and signature-based debit transactions, take a couple of days to post to your account. In the meantime, pending transactions help you keep track of outstanding debits to your account.

You can see pending transactions on the Accounts Summary page in Online Banking and they are reflected in your available balance. Simply click "Show Pending Transactions" to display the details.

Here are a Few FAQs
How do pending transactions affect my account balance?

Pending transactions let you know how much money is slated to be withdrawn from your account and may or may not be reflected in your available account balance. You can double-check by adding up the pending transactions to verify there's enough money in your account to cover them. 

The pending transaction amount isn't what I remember.

Sometimes merchants send through an authorization before they have the final total. For instance, gas stations often authorize a set amount before you pump your fuel. Or, if you eat out and leave a tip, the pending transaction will usually show the pre-tip total, while the transaction that posts will reflect the full charge.

If the amount isn't correct when the transaction posts, contact the merchant and ask for the error to be corrected. If the merchant refuses, we may be able to help you dispute the transaction. 

I saw a pending transaction, but now it's gone and the transaction isn't showing at all.

Usually transactions post before the pending transaction expires. However, the merchant may not claim the funds before the pending hold is released. If this is the case, it's important to remember your available balance no longer reflects the pending transaction and will be reduced again when the transaction posts to your account.

I see a pending transaction that isn't a card transaction.

This may be a deposit or withdrawal that was set up using your account number and WSECU's routing number, or you may be seeing a transfer that was scheduled within Online Banking. We display pending Automated Clearinghouse (ACH) transactions and scheduled transfers as pending transactions, but they do not affect your balance until the transaction or transfer actually takes place.