I'm not sure who you bank with but I've been with three financial institutions in the last 14 years and can tell you that they all had a section on their online banking for pending transactions. My current bank will have this on my checking account and credit card and updates the balance/available credit as if those had posted. The only time this isn't accurate is if I go to a restaurant and leave a tip, I usually only see the amount without the tip for a few days. Try out Wells Fargo, they've been nothing but good to me.
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