If a debit card transaction is PENDING, does that mean the charge will definitely go through?

(This is regarding a Chase debit card in NY state—it’s the Visa-logo ATM card that deducts from my checking account.)

I made a transaction using my debit card that, according to the recipient, went through successfully. (I got the usual “thank you for your payment” email—the recipient is a large company I have successfully paid several times in the past with this card.) However, when I log into my Chase account, the transaction displays as “PENDING” POS DEBIT. I did not have enough funds in my Chase checking account to cover this transaction (and I don’t have any other funds with Chase—no credit card, no overdraft protection).

My account currently displays a negative “available balance” that correctly reflects the transaction in question being missing from my balance.

If you know—
please help me know which of these will happen:

1) the pending transaction goes through, and Chase charges me an insufficient funds fee;

2) the pending transaction does not go through (the recipient is told it was declined) and Chase also charges me an insufficient funds fee;

3) the pending transaction does not go through (the recipient is told it was declined) but Chase does not charge me an insufficient funds fee.

Thank you for your help.