According to MSN Money, if you fill up your gas tank and pay with your debit card, the bank may freeze up to $75 in your account for up to 72 hours.

Because only PIN-based transactions are processed immediately, transactions where you don’t enter you PIN are batch processed sometime later.

While the length of the hold is up to your bank, the amount of the hold is up to your gasoline retailer.Each big oil company has a different policy: Shell says it preauthorizes just $1 for gas purchases, for example. Chevron says it has a $1 hold that ensures a card is active. British Petroleum preauthorizes $75 when customers use debit or credit cards, said spokeswoman Sarah Howell. The same policy applies at its Amoco and Arco stations, Howell said. Hess asks for $75 as well.

This can cause huge problems and lots of bank fees if your funds are tied up when checks come in. The article suggests if you do pay with debit, go inside to enter your PIN. Pay with a credit card at the pump.