The Elder Scrolls Online website explains that Early Access to The Elder Scrolls Online has concluded, explaining how to take advantage of the 30 days of play time included with purchases. They also explain that the charges players are seeing on their bank accounts are just temporary authorization checks that will be reversed. They also acknowledge a problem with this, as players with insufficient funds are being kept out of the game after failing this check, explaining how to contact them to straighten things out:

We want everyone who purchased ESO to have immediate access to the included 30 days of ESO game time. In the event that you enter your payment information for authorization and the transaction cancels due to lack of funds in your account, please contact our Support Team. We’ll work with you to ensure you have access to your included 30 days of game time.

Please ensure that you have attempted to enter payment information and had the transaction fail due to lack of funds before submitting a help request. We will get you into the game and playing as soon as possible.

We require you to choose a subscription option and enter valid payment information. For credit cards, debit cards and PayPal there is no charge made until after your included 30 days of game time has expired. For these payment methods, there is an authorization check performed to ensure the payment method is valid. You may see a temporary account authorization hold put on funds in your account while the verification completes. Usually this authorization hold lasts a short period of time before being removed. It can vary from bank to bank.

If you prefer to use one of the following payment methods, payment is processed at the time of selecting your preferred subscription plan.

• Game Time Cards [via Retailer]
• GiroPay
• iDeal
• Paysafe Card
• WebMoney