Woodforest National Bank Be aware of online banking Info (Not always showing pending transaction Charlotte North Carolina

Woodforest National Bank is dedicated to providing quality customer service and we would appreciate the opportunity to speak with you directly.  Please contact your local branch or our Customer Care department toll free at 1-888-224-0132 or email CustomerAdvocacy@woodforest.com.

This was sort of hard to read, but I thinnk I understand what you're trying to say.  When a check comes in for payment - it will never show as pending.  The only transactions that will ever show as pending are:

 a.  Debit card usage that have to be verified by the merchant

b.  Deposits that need to be verified by the bank

 Checks that come in for payment are never shown as pending because (a) you wrote the check, and (b) the person who cashed the check verifies the check as good.  This double-verification system controls when anything is posted to your account.  Anything that only has one party initiating the transaction sits as pending until the 2nd party verifies the transaction as valid.  What it means (as someone already tried to tell you) is that you did not have enough money in the bank at the time the check was written.  You already said there wasn't enough money in the account (by not deciding to make a deposit that day), so the check you wrote didn't have the money needed in the account.

 Banks will hold deposit transactions for a certain number of days if the deposit is relatively large, but banks do not hold transactions like debit card charges or checks.  In the future, do not write checks when you do not have a sufficient balance showing in your check register.  If you don't have a register - keep one.  If you don't want to keep one, please close your account and put your money in a mattress.

 Best of luck to you....

The funds were placed in bank the day before the check was written. Only because place check was written to will only take  checks. Now WOODFOREST took their monthly fees out first and held the check causing me a NSF fee for 3.50 instead of debiting account for there fee. One thing you are right about make sure  enuugh money is there in case they want their fee first. Since you are good at banking experiences and how they work tell me why they charge me a lessor amount for NSF FEE 30.00 instead of 32.00. I guess not to hurt my feeling... HAHAHAAAA

"we keep a close eye on if the checks clear or not in case we need to add funds"

That wouldn't be necessary if the funds are available when the check is written. Your properly maintained check register will aid you in determining if the funds are available.

"Course he or she wouldn't reverse the charge or admit it was a error on there end."

That's because it wasn't their error. The check was presented for payment against unavailable funds. That was TOTALLY your fault.

The online banking service does not display outstanding transactions; however, a properly maintained check register will always display those transactions.