Anytime you use your debit card as a "credit" or signature transaction, the amount will be placed on hold for up to three business days until the transaction is completed and processed. If you select the "credit" button at a merchant when using your debit card, you will not be required to enter your PIN. Like a check, you should assume that once the purchase is made, the funds are not available. You will receive a detailed listing of purchases on your monthly account statement or you can view them online in Home Banking