Debit MasterCard®

Debit MasterCard®

Frequently Asked Questions

Q: When will purchases made with my Debit MasterCard® reflect on my account statement?

A: Most ATM or point of sale (POS) transactions using your Personal Identification Number (PIN) will reflect on the same business day they occur. Other purchases completed at a MasterCard® terminal will normally reflect on your account statement within three business days.

Q: What are Holds/Pending Transactions?

A: When a transaction is completed, a "hold" is placed on available funds in your account until (a) the charge is presented by the merchant and clears your account or (b) up to a maximum of three business days, whichever is sooner. Funds on hold are not available for withdrawals, payment of checks or other debits. If the charge is not presented by the third day, the "hold" is released. However, a merchant has up to 180 days to present a transaction for payment, so you should continue to carry the purchase amount as an outstanding item in your transaction register. In order to avoid unwanted fees, never assume that the item will pay in a specific order and always use your transaction register to keep track of your account balance.

Q: Is there any time a "hold" greater than the amount of the transaction could occur?

A: Typically transaction holds are for the amount of the actual purchase, but in some instances, they may be for a different amount as some businesses place "authorization" holds. This usually happens at hotels, gas stations, restaurants and any place where you can run your card before the final transaction. This "authorization" amount could be greater or less than the amount of the actual purchase.

Q: What if I return an item that I purchased with my Debit MasterCard®?

A: The merchant will process a credit, and the refund will generally be credited to your checking account within a few days.

Q: Is there a daily limit on purchases that can be made with a Debit MasterCard®?

A: For your protection, the Debit MasterCard® can be used for purchases up to a maximum of $1,500 per day. Additionally, up to $600 can be withdrawn at an ATM.

Q: What if my Debit MasterCard® is lost or stolen or I discover a Debit MasterCard® transaction I think I did not authorize?

A: In case of errors or questions about any Electronic Funds Transfer (EFT) transaction or to report a lost or stolen card or PIN, inform us at once by visiting your Banking Center, by calling 254-532-3000 or 800-477-9801 (24 hours a day, 7 days a week) or by writing Fort Hood National Bank, Attn: ATM Department, P.O. Box 937, Killeen, TX 76540-0937.


Important reminders:

  • A hold is placed on your available funds each time you use your card.
  • Hold amounts may differ from actual purchase amounts.
  • Funds on hold will not be available to cover checks and other debits.
  • We recommend maintaining accurate records of all transactions.

Debit MasterCard® Questions & Answers