![]() ![]() The authorization hold amount reduces your available balance and will remain on the account up to 3 business days when your debit card is swiped or inserted in person, or up to 5 business days when used for an internet, phone or mail order transaction. Many merchants request an authorization for the exact purchase amount, but some merchants may send an authorization request for a nominal amount such as $1 or an estimate that is more or less than the actual purchase amount. The purchase amount sent by the merchant for authorization varies by merchant type. An authorization confirms that your account is open and active and that there are enough funds available to cover the purchase amount at the time of the request. When you use your debit card to make a purchase, the merchant will request an authorization (or approval) for the transaction. ![]()
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