I suppose that for affected accounts, you could create a sub-account “Pending” 
and post the initial transaction to the instantaneous account and to the 
Pending sub-account of of the “slow” account. The balance on the slow account 
will show you what the immediate future holds for that account. When the 
pending amount reaches the slow account, post between the Pending and actual 
accounts. The balance will not change, and you will have a record of the actual 
process. The reconciliation process would have to ignore the Pending 
sub-account values. I don’t know whether it will do this.


—
Peter West
[email protected]
`“Everyone who comes to me and hears my words and does them, I will show you 
what he is like: he is like a man building a house, who dug deep and laid the 
foundation on the rock.”`

> On 3 Mar 2026, at 11:14 AM, Stan Brown (using GC 4.14) <[email protected]> 
> wrote:
> 
> On 2026-03-02 17:00, Tom Route36 wrote:
>> For a timely example here: Let's say I made an online payment to my
>> credit card account on Feb. 27th.  The credit card company records the
>> payment as posted on Feb. 27th.  But my bank doesn't record the
>> transaction until today, March 2nd.  When recording this payment in
>> GnuCash, which date would you use as the transaction date: Feb. 27th or
>> March 2nd?
> 
> I use the date of the actual transaction, Fed 27 in your example. When
> the bank posts it to my account, I change the reconciliation status from
> n to c.
> 
> The banks where I have credit cards typically post transactions as of
> the date they were made, even though it may take them a few days to do it.
> 
> Stan Brown
> Tehachapi, CA, USA
> https://BrownMath.com
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