Hi Nelson,
  Such is life in the real world. GnuCash is not designed for the real world, 
just a simplified approximation. GnuCash reports just one main balance. You can 
get more by using the reconciled, cleared, present, future minimum and total 
columns in the main Accounts tab, but that is beside my point. In the bank-a 
tab, you get just one balance. In contrast, your online view of the bank 
probably reports at least two balances: one for the total amount of money in 
the account, including the $10,000, and one for the available balance, 
excluding the $10,000 while those funds are on hold. Since GnuCash gives you 
just one balance, you can only model one of those balances. I choose to model 
the available balance in the moment because that is more important to me at the 
time. For my long-term records, I choose to model the actual balance, which is 
why I delete those transactions after the hold expires.

Best,
John

> On Oct 1, 2017, at 12:49 PM, Nelson <[email protected]> wrote:
> 
> Hi John,
> 
> What I am doing today is exactly you are saying. I have a "pending" account
> and I would record two transfers:
> 
> - $10000 bank-a -> pending
> - $10000 pending -> bank-b postdated by 5 business days.
> 
> What bothers me with this approach is that when I go online on bank-a I see
> a different balance than I have in GC.
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