If i call my bank?

Question

can they tell me purchase etc. that i made the same day? Things that will not show up on a bank statement for a few days?

Answer 1

They can only tell you things that they get by the end of that day. If the purchase has not made it's way to your bank to be charged to your bank account yet then they don't know it's happened and can't tell you anything about it.

Answer 2

Probably not on the same day, usually only the day after or maybe two. The way it works is after you use your card (lets say at McDonalds) then Mcdonalds has to batch out the work and send it to the company...they don't have to do this any certain time. It could be every hour, every day, every week. So it is dependent on the way the business you used your card with and how the process their transactions as to when your bank will be able to see the transaction.

Answer 3

That depends on how often the store where you made your purchase 'reports' to their bank, how fast their bank reports to your bank (and others) ... and ONLY if you used a debit or credit card. In other words, it's 'highly unlikely' and your 'best bet' is to 'figure' the 'highest amount' to be 'taken out' of your account, and be SURE you have at least that much in your account until it is 'taken out' by the bank and shows up on your 'bank statement.'

Answer 4

With a debit or credit card, the merchant receives approval for the actual purchase amount before you transaction is completed. If you pay-at-the-pump for gas, the station normally pre-approves $1 before you pump. It may take a few days before the actual amount is submitted to your bank. If the merchant is equipped for electronic check presentment, the check may actually clear your bank before the receipt prints. If they physically deposit paper checks, your bank may not be aware of the check for up to a week.

Answer 5

I can go online literally 10 minutes after the fact, and see what charges are pending to my account. Charges that are pending are those that a business has asked authorization for, but not finalized with the bank. The only ones that I can't see are for gas, because most gas stations only ask for authorization for $1.00.

Answer 6

yes, they can look at your card and tell you to the second the card was swiped.

however, some companies initially only do an authorization hold for like $1.00 (especially gas stations) so your bank can only tell you what that merchant did.

the only way to truly track your balance is to keep a check register.

Answer 7

sign up to your bank's online banking service, all transactions are listed electronically the moment you do it. Teller's reports can show current day activity, but it isn't listed on an account summary sheet (mini statement)

Answer 8

My check card was stolen and they were able to tell me within minutes of its use, where it was used at. You can try looking at your account if you have online banking. You may not be able to see where the transaction was made at, but it may show the amount under pending transactions. Good Luck!

Answer 9

Sometimes yes, sometimes no. If the card was swiped through a reader and you entered in your PIN - then yes, that money was 'debited' from your account (just like if you paid cash). If your card was swiped and you sign your name on a receipt (like at a restaurant) your card will not be charged until the end of the day when all receipts are tallied.

Answer 10

As soon as you swipe your card, the bank immediately has a record.