Instead, the transaction enters a holding state where Bank of America reserves the specified amount in your available balance. Because the physical card is not present, Bank of America applies a more conservative verification process to mitigate fraud risk.
Understanding Travel Pending Transactions with Bank of America
Disputing and Canceling Holds If a pending transaction appears incorrect or if you believe a merchant has failed to finalize the charge, contacting Bank of America customer service is the most effective step. Checking the detailed transactions list within the Bank of America app provides the clearest view of what is actively pending and when it is expected to post.
Hotels that place a hold on your card for incidentals. While most resolves occur within 7 to 10 business days, persistent holds may require a formal dispute to protect your account status.
Understanding Travel Pending Transactions with Bank of America
This authorization hold ensures the funds are available when the merchant finally submits the transaction for settlement, which can take several business days depending on the vendor type and processing network. Card-Not-Present Transactions Transactions made online or over the phone, often called card-not-present transactions, typically involve longer holding periods.
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