Online Banking Help

Why is my bank app not working?

Banking apps usually stop working when the secure connection between the app and the bank's servers is interrupted. Common causes include app update conflicts, server outages, expired login sessions, VPN interference, network issues, or temporary fraud-prevention restrictions. Most app issues resolve by force closing the app, switching between WiFi and mobile data, updating the app, or waiting for the bank's systems to recover.

Why is my transaction still pending?

Transactions stay pending while banks verify the payment and wait for settlement through the banking system. Most pending transactions post within 1 to 3 business days, though weekends, federal holidays, fraud reviews, ACH processing schedules, and large or unusual transactions can extend the timeline.

How long do bank transfers take?

Most ACH bank transfers take 1 to 3 business days because they move through scheduled settlement windows rather than instant real-time systems. Internal transfers between accounts at the same bank are often same day or instant. Wire transfers submitted before cutoff times usually settle the same business day.

What should I do if my bank app is down?

Check whether other customers are reporting outages through Downdetector, then try logging in through the bank's website instead of the mobile app because partial outages often affect only one platform. If both the app and website are unavailable, the issue is likely on the bank's side and usually resolves without any action needed.

How do I find my bank's routing number?

Your routing number depends on the bank and, for some institutions, the state where your account was originally opened. The fastest ways to find it are by checking the bottom-left corner of a paper check, logging in to your bank's app or website, or using the routing numbers directory on this site.

Why is my available balance lower than my current balance?

This usually means a recent deposit is on hold or a pending transaction has reserved part of your funds. Your current balance includes all posted and pending transactions, while your available balance reflects only funds that are fully released and ready to spend.

How long can a bank hold my money?

Most check deposit holds clear within 1 to 5 business days under Regulation CC. Exception holds involving large deposits, new accounts, or redeposited checks may last up to 7 business days. Banks are required to provide written notice when applying exception holds beyond standard timeframes.