Why is my account not depositing instantly

Thanks for sharing your first concern here in the Community, @startigner0206-g. Allow me to share some information about your query.

I can see that you’re a new user. For new users, it takes 5 business days for the customers' payments to be deposited to your account. These early deposits take a bit longer while we set up your account. Once everything is all set, we’ll deposit customers’ payments much faster.

 If you set up instant deposits, you can request to get funds into your banks account in less than 30 minutes. You can also schedule instant deposits to run automatically for specific days of the week.

You can refer to this article for the instructions on how to get instant deposits in QBO.

You might want to give this page a visit, it’s about how to record and make bank deposits in QuickBooks Online.

Please let me know if you have more concerns. I'm always around to help you further. Stay safe!