A charge from “Maverik” in Jackson, WY, on your bank or credit card statement is a purchase at Maverik, a regional convenience store and gas station chain with a 24-hour location at 1005 S Highway 89 in Jackson Hole, Wyoming. Most of the time it reflects fuel or an in-store purchase at that store. If the dollar amount looks higher than what you actually spent at the pump, you’re probably looking at a temporary pre-authorization hold rather than a final charge.
Why the Amount May Look Too High
When you swipe a card at a gas pump, the station doesn’t yet know how much fuel you’ll buy. To guarantee payment, the payment system puts a temporary hold on the card for a set amount that can be well above what you end up pumping. As of April 2022, Visa and Mastercard raised the maximum allowable pre-authorization hold at gas stations from $125 to $175, so a $30 fill-up can briefly reduce your available balance by as much as $175.1Kelley Blue Book. Gas Stations Can Now Place $175 Bank Hold The station picks the specific hold amount within that cap. Your bank decides how long the hold stays on the account.2NACS. Who Is Responsible for Debit Card Holds
Once the transaction settles, the hold is replaced by the actual purchase amount. That part isn’t always quick.
How Long the Hold Stays On Your Account
The card type and how the transaction was authorized decide how long your money is tied up.
- PIN-based debit: entering a PIN processes the transaction in real time, and the hold typically clears within minutes.2NACS. Who Is Responsible for Debit Card Holds
- Signature-based debit (debit run as credit, the default at most pumps): the hold can sit on the account for 48 to 72 hours. Because this blocks real cash in your checking account, it can push you into overdraft territory or cause other transactions to decline.3Connecticut General Assembly. Gas Station Authorization Holds
- Credit cards: holds last about the same as signature debit, but they reduce available credit rather than cash, so the sting is usually smaller.4Bank of St. Francisville. Pre-Authorization Charges at Gas Stations
A hold placed on a Friday evening or Saturday may not clear until early the following week, because settlement runs on banking business days.5Olympia Federal Savings. Debit Card Holds at the Gas Pump
What To Do About the Charge Now
If the Maverik Jackson, WY, line on your statement doesn’t match what you remember spending, work through these steps:
- Wait for it to settle. An apparent overcharge often fixes itself once the transaction clears. For signature-based debit, give it two to three business days.
- Call your bank. Some banks can manually release a pre-authorization hold once the real amount is confirmed, and the bank, not the station, controls how long the hold lasts.2NACS. Who Is Responsible for Debit Card Holds
- Call the store. The Jackson Hole Maverik can be reached at (307) 734-9453. If the charge looks like a genuine billing error rather than a hold, the store may be able to pull a receipt or transaction record.6Maverik. Maverik Store #353 – Jackson Hole, WY
- File a formal dispute. Under Regulation E, which covers debit card transactions, your bank must promptly investigate any error you report and cannot require you to contact the merchant first. If the investigation confirms an error, the bank has to correct it within one business day of that determination.7CFPB. Electronic Fund Transfers FAQs
If the Charge Is from the Maverik Nitro Card
Maverik runs a loyalty program called the Nitro Card that links to your bank account and processes transactions as ACH electronic fund transfers.8Maverik. Nitro Card Agreement The Better Business Bureau lists 42 complaints against Maverik over the most recent three-year period, with 18 categorized as billing issues. Recurring themes include duplicate charges, overdraft fees caused by re-attempted transactions after a payment was initially declined, and difficulty getting resolution. In some BBB responses, Maverik has said the Nitro Card’s payment processing is handled by third parties such as Fiserv or TeleCheck, and has directed customers to contact those processors for refunds rather than Maverik itself.9BBB. Maverik Inc Complaints
How To Avoid Big Holds Next Time
The easiest way to prevent a large temporary hold at any gas pump is to enter a PIN when paying with a debit card. PIN transactions settle in real time, so the hold clears almost immediately.2NACS. Who Is Responsible for Debit Card Holds Paying inside before pumping also works, because the cashier can authorize only the specific dollar amount you want to spend.1Kelley Blue Book. Gas Stations Can Now Place $175 Bank Hold Cash or a credit card avoids the checking-account impact entirely.
Filing a Complaint in Wyoming
Wyoming has no state law specifically regulating gas station authorization holds, so your options are the same ones available for any disputed charge. You can file a complaint with the Wyoming Attorney General’s Consumer Protection and Antitrust Unit, which requires you to attempt to resolve the issue directly with the business first. After that, a formal complaint form can be submitted through the Attorney General’s website, by email at ag.consumer@wyo.gov, or by mail to 109 State Capitol, Cheyenne, WY 82002.10Wyoming Attorney General. Consumer Complaints If a bank won’t resolve a debit card dispute, you can also file with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by calling 855-411-2372.11Consumer Action. Understanding Debit Cards