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What does it mean when a transaction is “Pending”?

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There may be a delay between the money taken out of your account and the actual posting of the transaction. Some merchants may place a pre-authorization on your bank card, which puts the transaction amount “on hold.” This reduces the balance of your available funds until the transaction is posted.

† Simplii Financial personal banking services are provided by the direct banking division of CIBC. Banking services not available in Quebec.
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