QB automatically used my bank account it was already linked to for cust payment and now the deposit didn’t go through and I’m being charged a fee. How does that work?

Welcome to the Community, @userjess.

After your first payment, QuickBooks will usually deposit your funds within five business days. The deposit time will take up to two business days after we've set up your merchant account. Then there's the matter of depositing your clients' online payments because of the following factors:

• You enter the transactions at a specific time of day.
• Weekends and federal holidays in between.
• The financial institution that receives and deposits transactions.
• When it comes to electronic deposits, how long does it take your bank to validate and process them?

You'll need to double-check the details of the transactions if the deposit is complete after the permitted period. In this case, I'd advise you to look for an email from us with instructions on the material we'll need to expedite the evaluation.

Please see the following articles for more information on when Intuit will release your funds and how to check your client payments deposited into your bank account:

• Why are my funds on hold?
• Find out when QuickBooks Payments deposits customer payments.

I've also included this post with answers to the most common queries about QuickBooks Payments Deposits: Common questions about payments deposits in QuickBooks Online.

If you have any other questions or concerns about bank deposits, feel free to reach back out by hitting reply.