I'm here to provide clarification with your checking account concern, @davidsonclean-bo.
Transferring funds to a QuickBooks checking account that is on hold is currently not an available option. You will need to resolve the issue causing the account to be on hold before any transfers can be made.
Furthermore, you'll get an email notification explaining why your account is on hold and how to get it released. Check your Spam folder to see if the email was sent there if you haven't received one. For reference, check out this article: Why Are My Funds on Hold?
If you're unable to see the email, I recommend getting in touch with our QuickBooks Payments support team. They can help you check your account status and verify why it's on hold.
Additionally, here are some resources that consist of questions and answers you can learn from about QuickBooks Payments deposits: