A pending charge on a bank account, credit card or debit card is one that has not fully been applied to the account yet, according to Wells Fargo. A pending charge may also be referred to as a pending transaction.
Walmart notes that a pending charge may lower the available balance in an account. The hold on funds produced by a pending charge may expire after a certain amount of time determined by the financial institution or after the charge completes and the debit is completed. Commerce Bank states that pending charges may be listed in chronological order and may take several days to post as completed to an account.