What is a pending transaction?

Credit card and signature-based debit transactions can take a couple of days to post to your account. Pending transactions help you keep track of outstanding debits to your account.

For deposit and checking accounts these transactions are reflected in your available balance on the My Accounts page of Online Banking. You can see which transactions are pending on the transaction history page. Simply click on the account name and the history will appear above the account history.

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Pending transactions let you know how much money is slated to be withdrawn from your account and may or may not be reflected in your available account balance.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 these transactions to verify there's enough money in your account to cover them. 

Is it possible to have a pending transaction amount that’s different than the actual amount?

Yes – sometimes merchants send 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 add a tip at a restaurant, 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 – why is it 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 hold is released. If this is the case, it's important to remember your available balance no longer reflects this transaction and will be reduced again when the transaction posts to your account.

Are there pending transaction that aren’t card transactions?

Yes – they may be deposits or withdrawals that were set up using your account number and WSECU's routing number, or you may be seeing a transfer that was scheduled in 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.