Pending transactions are anticipated future transactions which can include deposits (credits) or debit transactions. Orlando Credit Union displays pending transactions for tracking purposes and as a courtesy to members.
Pending deposits are generally future dated ACH (Automated Clearinghouse) deposits provided by third party entities such as the IRS, your employer or government agencies that appear in online and mobile banking. Funds are made available on the effective date that the depositing entity has set.
Pending credit card and signature-based debit transactions are authorized and processed by merchants. Depending on the merchant, pending transactions can take a couple of days to post to your account. If the merchant does not process the transaction within a couple of days, the pending transaction may "disappear" after 24 hours and reflect in your balance once it is processed by the merchant. Please track your expenses to avoid any surprises.
You can see which transactions are pending on the transaction history page in online and mobile banking.