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Each transaction has a status that tells you where it is in the processing cycle. Checkr Money shows the status exactly as reported by your financial institution.

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Where you see the status

Statuses live with your transactions, on Transactions.On the web - the Pending badge appears on the transaction row and again in the detail panel. Posted transactions don’t show a badge in the list, only in the detail panel.On iOS - the status appears as a dot indicator on the transaction detail sheet.

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Transaction statuses

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Pending

A pending transaction has been initiated but hasn’t fully processed yet. This is common for:
  • Recent purchases that haven’t been finalized by the merchant
  • Debit card transactions that are being authorized
  • Transfers that are still being processed
Pending transactions may:
  • Change in amount - the final posted amount might differ slightly (e.g. a restaurant tip added after the swipe)
  • Take 1-5 business days to become posted, depending on the institution
  • Be removed entirely if the transaction is canceled or the hold is released

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Posted

A posted transaction has been fully processed and finalized. The amount is final and has been officially recorded by your financial institution.

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Recurring and internal transfer badges

Besides the bank status above, a transaction can carry a badge for a marking you or Checkr Money applied. These are separate from the bank-reported status - your institution doesn’t set them:
  • Recurring - marks the transaction as part of a regular series, such as a subscription or recurring bill. Merchants you mark as recurring show up on the Recurring page.
  • Internal transfer - marks the transaction as money moving between your own accounts rather than spending, so it is not counted in your spending totals.
The marking shows as a small badge on the merchant logo in your transaction list and in Recent transactions on Home, and again in the transaction’s detail view. A row shows one badge at most: if a transaction is both, the internal transfer badge wins, since that’s the marking that changes how the amount counts.
List badges are in Checkr Money iOS 1.9 and later. On iOS, every row on the Recurring page and in Home’s Upcoming also carries the recurring badge; on the web those rows show the series status instead.
On iOS (Checkr Money iOS 1.8 and later), apply either marking from the transaction’s … menu: Mark as internal transfer / Unmark internal transfer, and Add to recurring / Remove from recurring. See Tracking Your Subscriptions for how far a recurring change reaches. On the web, open a transaction and use its menu: Mark as internal transfer / Unmark internal transfer, and Add to recurring. You can also ask your AI assistant - for example “Mark my monthly HelloFresh charge as a subscription” or “This is a transfer between my accounts, not spending” - and reverse a marking the same way (“stop treating HelloFresh as recurring”). The assistant can do this on iOS too. See Meet Your AI Assistant for more.

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What to watch for

  • Pending amounts may change - the final posted amount can differ from the pending amount
  • Pending transactions may disappear - if a hold is released or a transaction is voided, the pending entry is removed
  • Duplicate-looking entries - briefly you might see both a pending and a posted version of the same transaction; the pending one will drop off once posting is complete
Checkr Money reflects what your bank reports - it doesn’t change a transaction’s status on its own. If you have concerns about a specific transaction (unauthorized charge, stuck in pending for over a week, etc.), contact your bank directly.