QBO is putting electronic payments in undeposited funds instead of the designated bank account. I have to log in to QBO and review the payment. How can this be automated?

Thanks for reaching out to us, stevenburns-me-c.

I know how to automate the procedure so that the money will be transferred right to the bank account you specify.

Your customer's payment will go to the Undeposited Funds if you have QuickBooks Payment connected to your QuickBooks Online account and haven't set up the appropriate bank account in your account settings. To automate the process, please ensure you have chosen where to record the payments. I'll show you how.

1. Go to Settings ⚙, then select Account and Settings.
2. Click Payments from the menu.
3. In the Chart of Accounts section, select the pencil ✎ (edit) icon.
4. For Where do you want to record payments?, choose the correct bank account.
5. For Where do you want to record processing fees?, choose the proper expense account for tracking processing fees.
6. Hit Save.

For your reference, check out this article for more details: Change the deposit bank account for QuickBooks Payments.

You can also read this resource for additional information about undeposited funds in QuickBooks Online: What’s the Undeposited Funds account?

Please let me know if you have further questions about payments and invoicing by leaving a comment below. I would be delighted to assist.