New to Iphone ...purchased Music but don't see the charges in my bank account

I am a brand new iPhone 5 user; actually a brand new apple user. I purchased some music last night and this morning, but I don't see the charges showing as pending in my bank account. Do they not show up as pending? or do they accumulate for a few days or so and then are charged? or are they charged for each single purchase? Just wondering how this works.

http://ipod.about.com/od/itunesproblems/f/itunes-billing-delay.htm

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