When you use your debit card as “credit” without entering your PIN, the merchant sends us an amount for pre-authorization. The pre-authorization amount is usually the total cost of the purchase, and it “reserves” the money to cover the payment. Most holds are automatically removed when your purchase posts to your account, usually within one or two business days. PIN-based transactions post immediately and don’t require a pre-authorization hold. When a merchant sends us a pre-authorization, you may see this amount pending in digital banking. If the hold expires before the payment posts, you might see the pending transaction disappear before you see the transaction in your account history.