Why are fees all the sudden being added to every bank (ACH) payment that is processed and deposited into my account? I do not need payments processed same day.

Let me elaborate on some things as to why fees are added whenever a payment is processed and deposited, falcoaerialfoota.

Processing fees are the price you pay that covers transaction processing and sending your payments to your account. You’ll often pay a combined rate based on a percentage of the sale, plus a flat fee. This rate may bundle the fees of your merchant service provider, processor, issuing bank, and card association. Your interchange fee is fixed, but you can try to negotiate for lower communication and processing fees to reduce your rate. For example, QuickBooks offers a 40% transaction discount to merchants who process more than $7,500 a month.

You don't need QuickBooks Payments to do your accounting in QuickBooks. Payment processing is an add-on feature. If you already use an external payment processing service, like Square, we have apps that sync your data with QuickBooks. However, the easiest way to process payments and track the accounting is with QuickBooks Payments. Learn more about compatible external payment options.

For additional information, you read these articles:

• Take and process payments with QuickBooks Payments
• Standard Payment Fees & Rates

For additional resources, I've got some helpful articles for your reference.

Keep in touch if you have any other concerns about processing. We're always right here to help you get the best experience in QuickBooks Online.

@falcoaerialfoota 

You may have other options to accept ACH payment for free and integrate with your QBO account.