But the initial test charge of $1 will be withdrawn from the card for a period of usually 3-5 business days. In that time you will not be able to finalize the transfer because you will then have only $24 on the card.
You would need to wait those 3-5 business days until the $1 is released and added back to the card and then complete the transaction.
Is this true? What exactly is the "Test Charge"?