What is this pending card transaction on my account?
A pre-authorization hold is placed on your account when your debit card is used to make a point of sale (POS) purchase. The pre-authorization is sent by the merchant to verify you have sufficient funds in your account, and results in a hold to reserve those funds until the purchase settles (is completed). If the hold amount matches the purchase amount, the hold is removed automatically when the transaction posts to your account.
For gas, hotel/lodging, or restaurant transactions, the pre-authorization hold and the purchase amount may vary after being finalized to include incidentals, tips, etc. In those cases it can take longer for the hold to be removed and for those funds made available to you.
There’s no action required on your part as the monies will become available to you once the hold expires, which varies depending on the merchant, and usually doesn't exceed 7 business days. In some rare cases though, like with a hotel, it can take up to 30 days for the pre-authorization hold to be removed.