You know how gas stations put a temporary hold on your card for like, $100, even though you only pumped $12 of regular? Yeah, that. That hold sits there for a day or two, looking like a real charge.
When the actual $12 purchase clears, the bank releases that $100 hold. But sometimes the process is clunky. The hold disappears, and a few days later, Navy Federal gives you a POS Adjustment Credit for the difference. It’s their way of saying, “We see you were temporarily poor, sorry for the heart attack.”
Same thing happens at hotels or rental car counters. They authorize a big scary number, then adjust it down to reality. That credit is the sigh of relief your bank account needed.
What Is A Pos Adjustment Navy Federal | Detroit Chinatown
The “We Charged You Twice” Apology
Sometimes, the payment terminal at Target has a little seizure. It beeps twice, you have an anxiety attack, and suddenly there are two identical charges for that bag of chips and questionable candle. Navy Federal’s system catches this.
They’ll automatically reverse one of the charges, and that reversal shows up as a POS Adjustment Credit. It’s not a gift. It’s just them cleaning up a digital oopsie. You don’t get to keep the extra money—obviously—but hey, at least you’re not losing it.
Another sneaky situation? A merchant processes your debit card as credit instead of debit. Sometimes that flips a switch and triggers a weird pending-to-cleared gap. A POS adjustment smooths that out like butter on toast.
