Merchants can initiate pending funds to ensure your account can cover the expected final amount, such as with gas or certain restaurant transactions. If a transaction is pending and has not cleared within the same business day, this may mean it was actually declined and will be returned to your account as soon as possible.
Most merchants will reimburse pending transactions within 1–3 business days. However, if the reversal by the merchant does not process as expected, Branch will hold the transaction for the time frame shown below which varies depending on the type of merchant:
- Fuel Purchase (gas/EV charging): up to 3 business days.
- Fuel transactions generally post within 3 days but, depending on the merchant, can take 5 days or longer.
- Everyday Purchase: up to 9 business days.
Hotel or Travel Purchase: up to 15 business days.
Tips to Avoid Pending Holds on Fuel Purchases
Consider purchasing fuel from merchants that work best in your experience whenever possible.
- Some gas stations (including Circle K and QuikTrip) have longer transaction processing times and higher minimum pending gas holds than others.
Pay for fuel inside whenever possible.
- By paying inside and asking for a specific dollar amount of fuel, you avoid having a pending hold placed on your account that typically occurs if your card is used at the pump.
For more information on holds please reach out to Branch or check out this article!
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