Yes, I see this now, thank you. I still believe that this leaves too much grey area for the bank to manipulate and try to obtain over-draft fees. I am a pet groomer. How would you feel if I put a pending hold on your acct for $50+ on your debit until my $25 clears. And then because of smoke and mirrors, you don't get a reverse on the pending hold for 10 days and no one explained this to you and you continue to make purchases on what you believed you had in the acct in the first place? Fair or not? These policies should be made extremely clear at the time of sail and sign. I would chosen to do a cash account instead. Thank goodness, I had the funds to cover; yet there were in another account.