You can view pending holds and pending ACH on the Account Summary page within online banking. Click on the "Hold" link or "Pending ACH" link to view the current pending transactions. The image below shows an example of the location of the hold links. This will not show up unless you have any pending transactions against your account.

Account Summary with example of pending holds

When funds are held for any reason, such as a preapproval for a debit card purchase, you will see a difference between your actual and available balance. Below is an example of the Account Summary section which lists your holds or pending ACH.

Account Summary

When you use your debit card, the merchant may place an authorization hold to confirm you have sufficient funds for a transaction or for a deposit for a potential future transaction. While this hold is in place, the funds are generally not available for withdrawal.

Clicking on the "Holds" icon in the Account Summary section, will produce information regarding the specific item(s) being held.

Account Summer Showing Holds