Wells-Fargo bank has a new policy as of 2012 where they will drop pending charges on your checking account after two days usually. They say that the charges are dropped because the business that pinged the account for the funds did no close their batch before the two days was up. What happens next is brilliant. When the pending charges are dropped after two days the funds are added back into your account and they TOTALLY disappear from your register. TOTALLY!!! Then when the business finally closes their batch (whenever they do this) The charges are pulled directly from your account instantly. NO PENDING TIME! I know of no other bank that does this.
Now there will usually be a few days in between the time when the pending charges are dropped and removed from your register & the funds are added back into your account from when they are instantly posted to your account.
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