Pending Visa Transactions

Pending Transactions

You asked and we delivered! You can now view authorized Visa Credit and Debit Card charges before clearing.

Authorized transactions not yet posted will appear at the top of Checking, Line of Credit, and Visa histories. These will be notated in black italicized text at the top of the history section and will appear in Mobile Banking and Online Banking account histories.

Please be aware of these details:

  • Pending transactions are not reflected in account balances until they are posted. These simply give you a preview of your purchase amounts.
  • Not all preauthorizations are for the exact amount of purchases. Here are some examples where the authorized amount may be different than the purchase amount:
    • Gas - all stations authorize only $1 to allow you to pump.
    • Hotels - Hotels can authorize more than the cost of the room to cover miscellaneous expenses.
    • Rental vehicles - Companies can authorize more than the cost of the rental to cover miscellaneous expenses.
    • Restaurants - Restaurants sometimes authorize up to 20% more than receipt prices for tips, etc.
  • Occasionally, business names in pending transactions appear in different forms than when they clear the account. For instance, Starbucks as a pending transaction might show SBUX, but when it posts, it reads: Starbucks.

Today's Rates

Type F/V Term APR
Auto Fixed 5 years 2.99%
Auto Variable 5 years 2.99%
RV Variable 12 years 3.50%
Rates Effective April 07, 2014
Mortgage Rates
Type Rate APR
15 Year Fixed 3.375% 3.4756%
30 Year Fixed 4.375% 4.4337%
Rates Effective April 18, 2014

Mortgage Payment Example

Home Equity Rates
Type F/V Term APR
No Closing Costs First Mortgage 50% LTV Fixed 5 Yrs 2.99%
No Closing Costs First Mortgage 80% LTV Fixed 5 Yrs 3.24%
Rates Effective April 07, 2014

HE Payment Example

Type   APR
platinum low rate Variable 6.99%
platinum rewards or cash back Variable 8.25%
classic standard rate Variable 10.50%
classic rewards or cash back Variable 12.25%
Rates Effective April 01, 2014
Certificate Rates
Type APY
12 Month Flexible 0.40%
3-5 Months 0.15%
6-11 Months 0.25%
12-23 Months 0.50%
24-29 Months 0.75%
30-35 Months 0.85%
36-47 Months 1.00%
48-59 Months 1.25%
60 Months 2.00%
Rates Effective April 16, 2014

View rates & terms