If you notice a pending transaction that you do not recognize, it is vital to act immediately by locking your card or reporting the issue through the official Bank of America channels to prevent further unauthorized use. These pending transactions might show a higher authorization amount than the actual charge, a practice common in the hotel or car rental industries where incidental charges are expected.
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Gas station pumps that pre-authoritize $75 to $100. Restaurants that estimate the total bill before the tip is added.
Card-Not-Present Transactions Transactions made online or over the phone, often called card-not-present transactions, typically involve longer holding periods. How Pending Transactions Work at Bank of America When you use your Bank of America debit or credit card, the merchant does not immediately receive the funds.
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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.
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