Yes the bank can see a pending deposit. However they will not apply this said “pending “ deposit to your account until it goes through internal approval measures to insure that it is backed/funded by the senders account in full. Once they have verified it they will apply it to.

Your available balance is the most current record we have about the funds that are available for withdrawal from your account. Your available balance includes:

1. Nov 13, 2019 However, if your pending deposit has not yet posted to your account, you should not spend that money. This means that if your available balance in your account does not reflect the pending deposit, then you should not spend or withdraw money that money. It is possible that a pending deposit will never post to the account.
2. Pending Deposit. Posted by 3 months ago. Pending Deposit. Deposited GUSD a couple of hours ago. Has over 450 confirmations and it still shows in pending.
3. Nov 15, 2020 Can a pending deposit be declined? A pending deposit can be declined for a variety of reasons, including if there isn’t enough money in the originating account or the details are otherwise wrong. If a pending deposit is declined, the funds will switch from appearing in your account as “pending” to not appearing at all.

• All deposits that are immediately available and withdrawals that have posted to your account. It is adjusted throughout the day as we authorize or receive notice of pending transactions. Some pending deposits, such as incoming wire transfers, electronic direct deposits, and cash deposited at a Wells Fargo branch or Wells Fargo ATM, are available for your use on the day we receive the deposit.
• A portion or all of your check deposits made at a Wells Fargo branch or Wells Fargo ATM may be immediately available for your use on the day we receive the deposit. If funds are not available on the day of deposit, refer to your deposit receipt for the funds availability date. Funds not available on the day of the deposit will typically be available the next business day, unless a longer hold is placed on the deposit. Refer to the Funds Availability Policy in the Account Agreement for detailed funds availability information.
• Pending withdrawals, including debit card transactions we authorize and checks/authorized payments known to us, reduce your available balance.

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Transcript: Making Sense of Available Balance

It’s a typical day.

You’re shopping for groceries, buying gas, getting things done.

As you make purchases with your debit card and withdraw cash from the ATM, it’s important to be aware of the available balance in your checking account.

This is the money you currently have available to cover purchases or to withdraw. This balance can change throughout the day as we authorize or receive notice of pending transactions. And your available balance is used to determine if you have enough to cover your next purchase or withdrawal.

You can find your available balance by using Wells Fargo Online® or the Wells Fargo Mobile® app, or at the ATM.

Note that your available balance only includes the transactions that Wells Fargo knows about, so it’s important to keep track of anything that’s pending or hasn’t posted to your account yet.

These can be:

Checks you’ve written that haven’t been cashed or deposited yet.

Monthly memberships, streaming video services, and other scheduled direct withdrawals that are paid automatically from your account.

And even the tip on a meal. For example, if you use your debit card to pay for take-out at a restaurant, the tip may be added a day or two later.

Now that you understand what available balance means, here are some tips to help you stay in the know.

Get into the habit of using your account’s tools — Wells Fargo Online® and our mobile app — to help track when money comes in and out.

You can also set up alerts to know when your available balance is at or below an amount you specify.

Set your calendar reminders a few days ahead of automatic payments so you can make sure you have enough money in your account.

Keep track of outstanding checks that you have written.

And if you see where you might come up short, you can quickly transfer money between Wells Fargo accounts.

Smart, simple strategies like these can help you stay on top of your money.

© 2020 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.

Available balance is the most current record we have about the funds that are available for your use or withdrawal. It includes all deposits and withdrawals that have been posted to your account, then adjusts for any holds on recent deposits and any pending transactions that are known to the bank. This balance may not reflect all of your transactions, such as checks you have written or debit card transactions that have been approved but not yet submitted for payment by the merchant.

Sign up may be required for alert notifications, and availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates apply.

Our overdraft fee for Business and Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means); our fee for returning items for non-sufficient funds is $35 per item. We charge no more than three overdraft and/or non-sufficient funds (NSF) fees per business day for Consumer accounts and eight per business day for Business accounts. Overdraft and/or non-sufficient funds (NSF) fees are not applicable to Clear Access Banking℠ accounts. The overdraft and/or non-sufficient funds (NSF) fee for Wells Fargo Teen Checking℠ accounts is $15 per item and we will charge no more than two fees per business day.

The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.

Coinbase runs its own digital currency nodes that communicate with the rest of the network. When you initiate a transaction, we broadcast it to the rest of the network so it can be confirmed.

Our nodes may lose sync with the rest of the network for short periods of time. This can cause transactions to remain in the 'Pending' state for longer than normal. Usually the delay is under an hour, and the transaction will eventually go through normally.

Occasionally, transactions are not accepted by the rest of the network and therefore are never considered to be 'confirmed'.

Common causes of unconfirmed transactions

Pending Deposition

• Sending a very small amount with insufficient fees
  All bitcoin transactions require a miner fee to be confirmed by the bitcoin network. When sending bitcoin you will be prompted to add a miner fee to make sure the transaction gets confirmed. If an insufficient fee is included, your transaction may never confirm.
• A double-spend of the same coins
  Under normal conditions this should not occur with transactions generated by Coinbase (our backend systems are designed to prevent this), but in general if two transactions try to spend the same coins, one of them will never be confirmed by the network.
• Trying to spend unconfirmed coins
  If you are trying to spend coins that appear as pending in your account, your transaction will not be generated until these coins confirm.
• The network is experiencing high volume
  Sometimes there is a high volume of digital currency being sent globally, and there are more transactions than there is space available in each new block to include the transaction.