Will someone tell how to keep my income payments on the right account and NOT UNDEPOSITED FUNDS. ?

Hello there, @devilleplumbingr.

Did you create a separate deposit for payments? To ensure the balance will be settle from the undeposited fund's account, let's create a bank deposit added the sales were included on your deposit. This will reduce the balance from the account.  

Here's how:

1. Select + New.
2. Select Bank Deposit.
3. From the Account ▼ dropdown, choose the account you want to put the money into.
4. Select the checkbox for each transaction you want to combine.
5. Make sure the total of the selected transactions matches your deposit slip. Use your deposit slip as a reference.
6. Select Save and close or Save and new.

To learn more about what's undeposited funds are, you can read through this article: What’s the Undeposited Funds Account? 

Additionally, Here are a few articles that tackle more about the process of Invoice Payments:

• Record invoice payments in QuickBooks Online.
• Deposit payments into the Undeposited Funds account in QuickBooks Online.
• Assign, categorize, edit, and add your downloaded banking transactions. 

Let me know if there's anything you need assistance with. I'm a few clicks away to help. Have a good day, and stay safe!