If my merchant account closed, (due to a fraud alert) how do I access the funds or will those funds be returned to the customer?

Thank you for reaching out to the Community, chef.

If your merchant account is closed due to a fraud alert, you'll get a message at the email address you used to access the Merchant Service Center informing you that your account has been closed. Within 30 business days, the funds will be transferred directly to your bank account. If you have not received an email, please reach out to the merchant support. This way, they can help you in assessing the situation.

Additionally, you can also learn more about how to check when QuickBooks deposits customer payments into your bank account: Find out when QuickBooks Payments deposits customer payments. 

I'll be here if you need some assistance. Just hit the reply button and I'll be glad to help you out.