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How Long Do Pending Charges Show on a Bank Account?

by Neil Kokemuller, Demand Media Google

    A pending bank account charge means that you have withdrawn funds, written a check that has been processed or used a debit card to make a purchase against your checking account. Typically, basic transactions are processed overnight, reports the Department of the Treasury website. This means that a transaction is normally pending for about one day. However, some banks have a cut-off time, after which the transaction is treated as if it occurred the next business day.

    Pending Transaction Consequences

    Pending transactions make accurate record-keeping important. If you rely on your bank account's record of your balance when you have pending transactions without taking those transactions into account, you may overspend. Some banks do show you a current balance online with pending transactions noted. However, any outstanding checks that have not yet been cashed or deposited would not be deducted from this balance.

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    About the Author

    Neil Kokemuller has been an active writer and content media website developer since 2007. He wrote regular feature articles for LiveCharts for three years and has been a college marketing professor since 2004. He has several years of additional professional experience in marketing, retail and small business, and he holds a Master of Business Administration from Iowa State University.

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    • BananaStock/BananaStock/Getty Images

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