Glad to see you in the Community space, montanamacc-mail.
I'd be glad to give some details about the feature.
You can get instant deposits if you are signed up for QuickBooks Payments. If you haven't already, please check out the steps in this link: Sign up for QuickBooks Payments.
Once done, you can add your debit card to QuickBooks Online. The system uses your debit card to deposit the money into your checking account. It must be a Visa or Mastercard connected to your checking account at your bank or credit union.