Debit card transactions show up as pending before they post, or are considered final. This is because we won’t know the final amount until the merchant submits it to us for payment.
For transactions where a tip is included (i.e., restaurant), or an estimated authorization amount is run (i.e., hotel), the amount that posts may be more than when it was pending, because any tips or extra expenditures weren’t added to the transaction until the merchant submitted it.
In some cases, the posted amount may be less than the authorized amount from a hotel, car rental agency, etc., as they commonly include a refundable deposit in their authorization.
In any case, SunTrust does not determine the authorization amount—the merchant does. If you’d like details, ask the merchant how their authorizations work, or what the standard amount is. Generally, authorizations stay on your account for three days, and are removed if no follow up transaction posts.
Most merchants process transactions within three days, but can take five or more. If a merchant submits a final transaction for posting after the initial three-day time period, you are still responsible for the payment.
We provide as much information as we can about each debit card transaction in Online and Mobile Banking. When you click on a transaction, you’ll see the date and time of the transaction, the last four digits of the debit card number used, a merchant description and location. Pending transaction amounts that may be changed by the merchant before posting are also noted, such as an added tip or release of a hotel deposit.
Learn more on our Debit Card Transactions page.