Outstanding Authorization Holds will generally expire after (a) three (3) business days or (b) the business day that the debit card and ATM transaction is presented for payment and is paid by us, whichever occurs first. Sometimes the amount of Authorization Hold differs from the final charge presented by a merchant for payment (e.g., the addition of a tip, gas station authorizations). If any of the information provided to us for the authorization does not match the information provided to us for the final charge presented by the merchant, (such as Debit Card number, merchant number, authorization key number or transaction amount), our computer system may not be able to match the authorization with the final charge, and the Authorization Hold may remain on your account for up to three (3) business days, even if the amount presented for payment has already posted to your account. This means that the amount of the Authorization Hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. Certain transactions such as car rentals, hotel bookings and cruise lines may have authorization holds longer than three business days. Please refer to the Debit Card Agreement for further information.
If we authorize the transaction, we place a temporary hold on your account in the amount of the authorization request which immediately reduces your available balance ("Authorization Hold". Each Authorization Hold will remain in place until it is presented for payment or otherwise expires. Therefore, funds subject to the hold will not be available to authorize other ATM and/or debit card transactions. As such, we may decline to authorize those transactions if you do not have a sufficient available balance. Funds subject to the hold will not be released during nightly batch processing to pay other items presented for payment. You can see each Authorization Hold as a pending transaction on your account when viewing your account via mobile and online banking. Outstanding Authorization Holds will generally expire after (a) three (3) business days or (b) the business day that the debit card or ATM transaction is presented for payment, whichever occurs first.