Common use of Money in Your Account May Be Held Until a Transaction is Completed Clause in Contracts

Money in Your Account May Be Held Until a Transaction is Completed. When you use your Card or primary deposit account to pay for goods or services, certain merchants may ask us to authorize or “hold” the transaction in advance and may estimate the final purchase amount. In addition, when you use your Card for an ATM withdrawal or a teller cash withdrawal, we generally authorize the transaction in advance (including all applicable fees). When we authorize a transaction, we commit to make the requested funds available when the transaction finally settles and will place a hold on your primary deposit account’s funds for the amount indicated by the merchant, and this transaction will show as “pending” in your transaction history. We also may add an amount for transactions with certain merchants to ensure that sufficient funds will be available to cover the final transaction amount (such as to cover a tip at a restaurant). Transactions with certain merchants that authorize high dollar amounts, such as rental car companies and hotels, and certain cash and international transactions may cause a hold on money in your primary deposit account for up to 90 days. You will not be able to use the money in your primary deposit account that is on hold until the transaction finally settles or the hold is otherwise released. For more information about how we determine the amount of money in your Account available for your use and withdrawal, see Section 9 titled “We Use The Available Balance Method”. If a pending transaction is not presented to us for payment within our established time period after being authorized (typically, three business days, but may be up to 90 days for certain types of transactions, as described above), we will release the hold. Note that if a transaction is presented to us for payment from your primary deposit account after we have released the hold, we must honor the transaction, which may result in a negative balance in your primary deposit account. For more information about negative balances, see Section 9.c. titled “Negative Balances”. When a transaction finally settles, we will charge your primary deposit account for the amount of the final transaction, including any applicable fees, and then will release the hold on any remaining amount on money, as applicable.

Money in Your Account May Be Held Until a Transaction is Completed. When you use your Card or primary deposit account to pay for goods or services, certain merchants may ask us to authorize or “hold” the transaction in advance and may estimate the final purchase amount. In addition, when When you use your Card for an ATM withdrawal or a teller cash withdrawalwithdrawal transaction, we generally authorize the transaction in advance (including all applicable fees). When we authorize a transaction, we commit to make the requested funds available when the transaction finally settles and will place a hold on your primary deposit account’s funds for the amount indicated by the merchant, and this transaction will show as “pending” in your transaction history. We also may add an amount for transactions with certain merchants to ensure that sufficient funds will be available to cover the final transaction amount (such as to cover a tip at a restaurant). Transactions with at certain merchants that authorize high dollar amounts, such as rental car companies and hotels, and certain cash and international transactions may cause an “authorization” or a hold “hold” on money in your primary deposit account for up to 90 days. You Until the transaction finally settles, you will not be able to use the money in your primary deposit account that is “on hold until the transaction finally settles or the hold is otherwise released. hold.” For more information about how we determine the amount of money in your Account account available for your use and or withdrawal, see Section 9 10 titled “We Use The Available Balance Method”. If a the pending transaction is not presented to us for payment within our established time period after being authorized (typically, three (3) business days, but may be days or up to 90 days for certain types of transactions, Card or ATM transactions as described above), we will release the hold. Note that if a transaction is presented to us for payment from your primary deposit account after we have released the hold, we must honor the transaction, which . This may result in a negative balance in your primary deposit account. For more information about negative balances, see Section 9.c10.c. titled “Negative Balances”. When a transaction finally settles, we We will only charge your primary deposit account for the correct amount of the final transaction, including any applicable fees, however, and then we will release the hold on any remaining amount on moneywhen the transaction finally settles. If you want to use the Temporary Card to purchase gas, as applicableyou should use it with your PIN in “debit” mode to “pay at the pump.” You will need to go inside to pay if you do not want to use your PIN.

Money in Your Account May Be Held Until a Transaction is Completed. When you use your Card or primary deposit account to pay for goods or services, certain merchants may ask us to authorize or “hold” the transaction in advance and may estimate the final purchase amount. In addition, when When you use your Card for an ATM withdrawal or for a teller cash withdrawalwithdrawal transaction, we generally authorize the transaction in advance (including all applicable fees). When we authorize a transaction, we commit to make the requested funds available when the transaction finally settles and will place a hold on your primary deposit account’s funds for the amount indicated by the merchant, and this transaction will show as “pending” in your transaction history. We also may add an amount for transactions with certain merchants to ensure that sufficient funds will be available to cover the final transaction amount (such as to cover a tip at a restaurant). Transactions with at certain merchants that authorize high dollar amounts, such as rental car companies and hotels, and certain cash and international transactions may cause an “authorization” or a hold “hold” on money in your primary deposit account for up to 90 days. You Until the transaction finally settles, you will not be able to use the money in your primary deposit account that is “on hold until the transaction finally settles or the hold is otherwise released. hold.” For more information about how we determine the amount of money in your Account account available for your use and or withdrawal, see Section 9 10 titled “We Use The Available Balance Method”. If a the pending transaction is not presented to us for payment payment, within our established time period after being authorized (typically, three (3) business days, but may be days or up to 90 days for certain types of transactions, Card or ATM transactions as described above), we will release the hold. Note that if a transaction is presented to us for payment from your primary deposit account after we have released the hold, we must honor the transaction, which . This may result in a negative balance in your primary deposit account. For more information about negative balances, see Section 9.c10.c. titled “Negative Balances”. When a transaction finally settles, we We will only charge your primary deposit account for the correct amount of the final transaction, including any applicable fees, however, and then we will release the hold on any remaining amount on moneywhen the transaction finally settles. If you want to use the Temporary Card to purchase gas, as applicableyou should use it with your PIN in “debit” mode to “pay at the pump.” You will need to go inside to pay if you do not want to use your PIN.

Money in Your Account May Be Held Until a Transaction is Completed. When you use your Card or primary deposit account to pay for goods or services, certain merchants may ask us to authorize or “hold” the transaction in advance and may estimate the final purchase amount. In addition, when you use your Card for an ATM withdrawal or a teller cash withdrawal, we generally authorize the transaction in advance (including all applicable fees). When we authorize a transaction, we commit to make the requested funds available when the transaction finally settles and will place a hold on your primary deposit account’s funds for the amount indicated by the merchant, and this transaction will show as “pending” in your transaction history. We also may add an amount for transactions with certain merchants to ensure that sufficient funds will be available to cover the final transaction amount (such as to cover a tip at a restaurant). Transactions with certain merchants that authorize high dollar amounts, such as rental car companies and hotels, and certain cash and international transactions may cause a hold on money in your primary deposit account for up to 90 days. You will not be able to use the money in your primary deposit account that is on hold until Until the transaction finally settles or the hold is otherwise released. For more information about how we determine the amount of money in your Account available for your use and withdrawal, see Section 9 10 titled “We Use The Available Balance Method”. If a pending transaction is not presented to us for payment within our established time period after being authorized (typically, three business days, but may be up to 90 days for certain types of transactions, as described above), we will release the hold. Note that if a transaction is presented to us for payment from your primary deposit account after we have released the hold, we must honor the transaction, which may result in a negative balance in your primary deposit account. For more information about negative balances, see Section 9.c10.c. titled “Negative Balances”. When a transaction finally settles, we will charge your primary deposit account for the amount of the final transaction, including any applicable fees, and then will release the hold on any remaining amount on money, as applicable.

Money in Your Account May Be Held Until a Transaction is Completed. When you use your Card or primary deposit account to pay for goods or services, certain merchants may ask us to authorize or “hold” the transaction in advance and may estimate the final purchase amount. In addition, when you use your Card for an ATM withdrawal or a teller cash withdrawal, we generally authorize the transaction in advance (including all applicable fees). When we authorize a transaction, we commit to make the requested funds available when the transaction finally settles and will place a hold on your primary deposit account’s funds for the amount indicated by the merchant, and this transaction will show as “pending” in your transaction history. We also may add an amount for transactions with certain merchants to ensure that sufficient funds will be available to cover the final transaction amount (such as to cover a tip at a restaurant). Transactions with certain merchants that authorize high dollar amounts, such as rental car companies and hotels, and certain cash and international transactions may cause a hold on money in your primary deposit account for up to 90 days. You will not be able to use the money in your primary deposit account that is on hold until the transaction finally settles or the hold is otherwise released. For more information about how we determine the amount of money in your Account available for your use and withdrawal, see Section 9 titled “We Use The Available Balance Method”. If a pending transaction is not presented to us for payment within our established time period after being authorized (typically, three business days, but may be up to 90 days for certain types of transactions, as described above), we will release the hold. Note that if a transaction is presented to us for payment from your primary deposit account after we have released the hold, we must honor the transaction, which may result in a negative balance in your primary deposit account. For more information about negative balances, see Section 9.c. titled “Negative Balances”. When a transaction finally settles, we will charge your primary deposit account for the amount of the final transaction, including any applicable fees, and then will release the hold on any remaining amount on money, as applicable. If you want to use the starter debit card that came in your GoBank package to purchase gas, you should use it with your PIN in “debit” mode to “pay at the pump.” You will need to go inside to pay if you do not want to use your PIN.