In an ACH transfer to pay a credit card. If there isn't enough money in the main QB checking account, will the money be withdrawn from an "envelope" that has funds?

If the main QuickBooks checking account lacks sufficient funds for a credit card payment via ACH transfer, the funds in the envelope cannot be automatically withdrawn, @illusions1.

The envelope serves as a savings account for future expenses. You will need to transfer the funds back to your main QB checking account to use them for paying a credit card.

To transfer the money back to the main checking account, please follow the steps below:

1. Sign in to your QuickBooks Money.
2. Select Banking, then choose the desired envelope to withdraw money.
3. Select Transfer money, then Transfer out.
4. Enter the amount you want to take out in Amount.
5. Select QuickBooks Checking in From.
6. Make sure the correct envelope is selected in From then select Next.
7. Select Finish transfer, then Done when the transfer finishes.
   • In QuickBooks Money Mobile, select Continue when the transfer finishes.

For more information, please check this article: Manage your envelopes.

Please know that you can either create a new layout from scratch or customize the default envelope layout. For more information, you may visit this helpful resource: Customize form templates in QuickBooks Desktop for Mac (Envelope settings).

Feel free to reply below if you have any further questions. Have a nice day!