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blakeh95 t1_iydbyku wrote

Sometimes banking systems are slow. I see all the time my current balance change late at night without a transaction officially being "posted." Usually it's a pending transaction that's going final.

I would wait 24 hours first. If it's still not posted by then, maybe call your bank.

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theoriginalharbinger t1_iydcb3h wrote

It means you should call Capital One 360 for inquiries regarding your checking account.

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kveggie1 t1_iyddmd7 wrote

I am confused:

  1. received a direct deposit

  2. no transaction in your account

Both cannot be true.

Banks are slow... especially the big ones.

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hasengan OP t1_iydts20 wrote

The money in my checking increased but there's no record of how much was deposited in my account

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nolesrule t1_iydlva1 wrote

Yeah, this happens every once in awhile with my Capital One account. It usually clears up later in the day.

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hasengan OP t1_iydu0j1 wrote

Awesome, thanks! How long should I give it to see it reflect?

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nolesrule t1_iydv4g2 wrote

Hopefully by late this afternoon, but it wouldn't suprise me if it's overnight either.

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sciguyCO t1_iydrtqp wrote

What's the actual pay date for your check? I'm paid every other Friday, and my employer's payroll system will show my pay stub a day or two before that, it usually shows up as a "pending" transaction at my bank on Thursday, and doesn't actually get added to my account balance until Friday. Sometimes that "pending" state is skipped and the transaction just pops up completed on Friday.

I haven't used Capital One, but it's possible they received the transaction this morning, but are just being slow to update your account. I'd give it at least a day before starting to worry, these things might be getting batched up into one in the morning (for anything received overnight) and one in the evening (for stuff received after the morning batch was processed). Could just be a timing thing.

Is this your first paycheck at a new job? That can sometimes involve extra validation (employer making sure you gave them a valid account), which can slow things down. That usually smooths out for future deposits.

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hasengan OP t1_iydtycb wrote

We're paid the 15th and last day of every month! Possibly, I'll give it a day before contacting them. Not a first paycheck, but I did just change my direct deposit to this account which could be a factor. Thanks!

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