Can anybody tell me how to get the instant deposit I was supposed to have or the mobile check deposit?

Hi there, @jeribyrd5-gmail-.

I'd be happy to share information with you on how you can get an instant deposit in QuickBooks Online (QBO).

The one who told you to set up a QuickBooks Checking account is right, as we set your QuickBooks Checking Debit Card as your default so you can take advantage of the 0% fee.

To set up your account to get an instant deposit, here's what you'll need to do:

1. On your QBO account, go to the Get paid & pay section.
2. Select Deposits.
3. Choose Get set up in the instant deposit banner. Note: You'll only see this option if you're eligible.
4. Follow the onscreen steps.
5. Enter your debit card info.
6. When you get the confirmation code, enter it to verify the account.

Once done, see your available funds, as you can only get an instant deposit if there's a balance. 

To know more about depositing customer payments into your bank account in minutes, see this article: Get instant deposits in QuickBooks Online. It contains detailed information about the setup process.

In case you encounter some issues with instant deposits, here's a resource that you can refer to: Get help with instant deposits. It includes steps on what you need to do to resolve issues with instant deposits.

Please know that you can always post here if you have further concerns about requesting for instant deposit in QBO. I'll be around whenever you need further assistance. Take care always.