A New Way To See Your Balance

Feb 9, 2023

An exciting new feature made with you in mind!

We’re adding pending transaction notices to online banking! That means, when you use your debit card, you will be able to instantly see the transaction in online banking next to your checking account balance.

What’s a pending transaction?

Pending transactions are debit card transactions that you authorized but have not yet been cleared by the merchant. 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 has been authorized but has not yet been presented by the merchant to pay. Please remember that pending transactions can take a few days to clear your account.

Why do I need to see pending transactions?

Sometimes it’s hard to remember how much money is actually available in your account, when some debit purchases haven’t yet posted. We show these 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, giving you an up-to-the-minute reflection of your available balance.

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.

What happens if I spend more than my available balance?

Any transactions that exceed your available balance will be subject to the Courtesy Pay and Overdraft Agreement.

Some restrictions apply.

In paying transactions through Courtesy Pay, your checking account may go negative by up to a maximum of $500 ($200 for Fresh Start Checking), including any and all fees and charges. Member in good standing, 18 years old and older, 60-day waiting period on new checking accounts. A $24 fee will be imposed on each transaction submitted and paid that exceeds your available account balance. Negative balance must be repaid within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing. We will not pay overdrafts for ATM and everyday debit card transactions unless you have affirmatively consented to this service. However, if an ATM or debit card transaction is authorized against available funds, the transaction will post to the corresponding account even if funds are no longer available at the time of posting. Please refer to the Membership and Account Agreement and the Courtesy Pay and Overdraft Agreement.

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