My deposits are not showing up in my bank, is it FREE MONEY?

[thankyou]

I make a deposit onto FTP or Stars using a checkcard, and the deposits are approved and stay pending in my checking account for about 5 days then drop off and my acount becomes credited. For example, I'll make a $500.00 deposit onto Stars and my Stars account is credited for $500.00. My checking acct is then -$500.00 in pending and about 5 days later, the charge drops off and my account doesnt show any transactions. Is anyone else experiencing this?