How Often Does the Balance on a Check Card Get Updated?


Quick Answer

Depending on the card issuer, the balance of most checking cards updates either at the end of the day or several times a day. Card-processing networks organize and compile authorized card transactions from merchants. Processed transactions are sent to the issuer, which then posts transactions to customer accounts.

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Full Answer

When a customer uses a checking or debit card at a terminal, information is sent to a card-processing network for authorization. The network analyzes the card for fraud and sufficient funds prior to authorizing the transaction. The merchant approves the transaction if it is authorized. To settle the transaction, the network calculates how much money is owed to them by the issuer and how much is owed to the merchant.

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