Like you don’t have the money because it’s pending, right? How can you spend it?
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You need to be a lot more specific if you want any kind of real answers to this. In general though, pending deposit availability is subject to each bank’s policy. Like direct deposits of your paycheck are “pending deposits”. If your company deposits $2000 in your account every two weeks for the last several months, your bank will probably let you use the money when it is notified by your companies bank that it has initiated a transfer of $2000. But your bank doesn’t have to make it available and could wait until funds are transferred.
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