Why do I have Pending Transactions?

A pending transaction is a transaction that has been initiated or pre-authorized, but has not completed.

Why Pending Transactions Happen

• If a transaction is in a pending state and hasn't cleared within the same business day, this likely means it was actually declined and will be returned to your account in due time.

• Most merchants will reimburse pending transactions within 2–3 business days. However, if the reversal by the merchant doesn’t work, our bank will hold the transaction for a given timeframe depending on the type of merchant:

  1. Gas Station: 3 calendar days (72 hours)
  2. Everyday Purchase: 9 calendar days
  3. Travel/Hospitality: 15 calendar days

   

Early Release of Pending Transactions

• If you'd like to have a pending transaction released sooner then the expected timeframe, reach out to us with the following information:

1. 1. Name of the merchant transaction and amount 
   2. Receipt from merchant showing the completed or declined transaction
   3. Were you able to use your Branch debit card to successfully complete a purchase at the same merchant?
   4. Were you advised by the merchant why the purchase was declined?

Important to Note: If a debit card transaction was declined, but you are still seeing it pending on your Branch card, you will want to reach out to the merchant to make sure that this was declined and see if they can release those funds to you. If the merchant says they have released funds, most of the time you will see this pending transaction be canceled in two to three business days.

Related Articles:

• How do I Contact Branch?
• Why Is My Purchase Being Declined?