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Personal Debit/ATM Cards

Why do I see a $1.00 charge on my debit card when I spent more than that?

Category: Personal   Service: Debit/ATM Cards | Updated: May 8th, 2023


When you present your debit card at a gas pump, internet provider, etc., the amount you purchase may not be available. For the system to provide authorization, an amount must be present. Since the amount of the purchase is not known until all services are rendered, an amount is determined by the merchant. The amount can vary; in most cases, the merchant will send an authorization for $1.00. The estimated total could stay on the system for 1 to 3 business days until the clearing item for the amount charged reaches the Issuer (First Interstate Bank). You may learn the difference between the authorized and actual amounts through Telephone Banking, ATM inquiry, or Online Banking inquiry.

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