When my qb page says deposited and the money isn't in my account, who's making the interest and how many other account payments are being held? Wheres my money?

I'll help you track your funds, Erik.

QuickBooks Payment deposits your funds depending on your deposits speeds. It varies on the product you're using, the type of payment, and how long it takes for your bank to process the deposits. 

If this is your first time using QuickBooks Payments, the first payments take time while we set everything up. To learn more about this and how to check your deposit speeds, please refer to this article: Find out when QuickBooks Payments deposits customer payments.

If this is not the case, you'll want to contact your bank and verify if they require more steps to process your deposits. You can also reach out to our Merchant support team if you need additional help. There, one of our agents can look into your account and check the status of the deposits.

Once you're all set, you can categorize your transaction and reconcile your account whenever you're ready. 

You're always welcome to get back to me if you need more assistance handling your deposits and receivables. I'll be here to back you up!