Credit card Payment received and showing deposited, but not in my bank acct.

Thank you for joining us here in the Community, valmuseum. I'll share some insights to help you learn more about the depositing time of credit card payments.

We will deposit your funds within five business days after your first payment. While we set up your merchant account, your first deposits take longer. Your funds will be deposited sooner when we've finished, usually within two business days. Also, your payments will be deposited on American Express's schedule if you have an ESA account with them. This account's transactions aren't eligible for next-day deposits. American Express manages the deposit schedule for ESA account holders. 

Also, if you process a customer payment before 3 PM PT, it will be sent to your account the next business day. In the event you process payments after 3 PM PT, they'll be deposited in two business days. Here's an article you can refer to for more details about finding out when QuickBooks Payments deposits customer payments. To check your current deposit speed, we can go to your Payments section in QuickBooks Online. Here's how:

1. Click the Gear icon at the upper right corner and choose Account and settings.
2. Select the Payments tab.
3. Review the Deposit Speed section.

The successful deposits will show Funded in their Status column. If there's an issue with one, you'll see a Withheld or Batch Deposit Returned notice in its Status column. You can use your Drop-Down Arrow (▼) icon in the Fee column to review details about what's going on with your funds. Intuit also sends emails when funds are held for reviews, or a deposit is rejected from a bank. Be sure to check your email for any notifications, as these emails will go over what you need to do.

If you haven't received the funds in the allocated time, I'd recommend getting in touch with our QuickBooks Payments Support so they can help check the status and trace your payments.

Please don't hesitate to tag me in the comment section if you need assistance while working in QuickBooks. I'm always ready to lend you a hand. Have a great day ahead.