I only make debit purchases with my ATM card to ensure fund availability. The bank claims the merchant put a hold on payment. When checking availability of funds and cleared checks, the automated system verified the amount and date the check posted, and there is no way to have knowledge of pending transactions from the automated system. There should be no holds on debit purchases. The bank operations center told me that even on a credit purchase the bank withdraws the funds, so the automated system will be correct when supplying information on current balance.
They are charging the account when the balance is low for transactions that are reported cleared by the automated system, and for checks written to utility companies who are in town two or three weeks after the company should have received them and sent them to the bank. Example: three checks arrived at local utility companies on July 6th, the automated system says the checks cleared July 9th, and the bank reports one of the checks caused an overdraft and multiple debit purchases preceded them, and debit purchases occurred after the 9th.
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