Funds pending for over 6 months

I see that the processing of your funds has taken a while. Let me share some information that will help clarify the reasons for the delays, @Everlastingturf.

The possible reason your deposit is taking longer than the standard schedule may be that your account is currently under review. The review takes 3-5 business days. You'll receive an email with details. This email will also include a link to the Resolution Center and outline additional steps to fix it.

You can check this article for further details: Why is my batch deposit delayed or suspended?

If you can’t find any email, check your spam or junk folder. If it’s still not there, I recommend contacting our Payment Support team. They have the necessary tools to pull your account and check on this further in a secure environment.

Regarding your last question,  once there is an issue with the payment in your checking, the funds will be returned directly to your connected bank account.

Additionally, you can check out this helpful resource to learn more about when customer payments get deposited: Find out when QuickBooks Payments deposits customer payments.

I'm always here if you have other questions about payment concerns. Stay safe.