I don't have a great number of accounts added, but Personal Capital doesn't count pending transactions for any of them, while Mint does for all of them. So I always thought it was a design decision by Personal Capital to not include these in any calculations, rather than something on the bank's end. Because pending transactions do show up in the "Transactions" tab, just not in the charts/calculations.
But again, I may be wrong: I don't have accounts at many different banks, so maybe it's just a coincidence that all my banks behave the same way.