Direct checking acct ive had connected for a while. Yes it is a Sunday so we are Pending not SPending. Tough when you wish to top up your spending wallet to make a purchase. Ultimately it's my fault for not loading things up ahead of time. Im sure it will be cleared up by morning. There must be some happy medium where you are protected from abuse but for transfers of value below $50 you might give some grace for and instant access assuming everything is current and in good standing. It is easy to get spoiled with very fast lightning payments and separating out the slow value transfers. This is very close to Very awesome.