If you are running a Keep It All campaign, your money is deposited to your payment processing account (Paypal or Stripe) right away. Funds will be released from your account and deposited to your bank account once they have cleared any security checks and according to the daily, weekly or monthly schedule you've set for withdrawals.
For All or Nothing campaigns, your pledges are not processed until you achieve your fundraising goal and request releasing the funds. From that point, they act like Keep it All payments.
If you haven't achieved your All or Nothing campaign goal by the time it ends, no payments are processed and no charges are incurred.