How long does it take the bank to process a deposit versus a charge?

Question

I have a debit card and accidently overcharged it by $50. Unfortunately, the bank will charge me $100 for going over. I went straight to the ATM after I walked from the store (within a half an hour) and deposited some money. However, I'm wondering, do you think the bank would process that charge sooner than they process the deposit, and still fine me? I know sometimes it takes a few days before they process it, but does anyone else know anymore? My bank is HSBC by the way.

Answer 1

most banks will always subtract a debit before adding a credit even if its on the same day.