How long does it take for funds to hit my bank account after doing a credit card payment via QuickBooks? Not instant.

Thank you for posting in the Community, brookemazur377.

Let me provide you with some information about how QuickBooks handles payments.

The expected wait time for credit card payments to be transmitted to your bank is 5-7 banking days. Thus, funds usually reach your deposit bank account within 2-3 business days of the transaction.

It also varies depending on the time of day transactions are entered, the financial institution you choose, and the time it takes your bank to validate and process electronic deposits. Meanwhile, ACH transfers could take 7–10 business days.

Also, you can check the status of the deposit by logging in to your Merchant Services account. You can follow the steps below on how to.

For QuickBooks Online:

1. Go to the Gear icon, and select Account and Settings.
2. Select the Payments tab.
3. Then, review the Deposit Speed section.

You may also want to check out this article for more information about when QuickBooks Payments deposits customer payments into your bank account.

Also, to learn more about payment processing, you may check out this article: Common questions about payment deposits in QuickBooks Online

Feel free to comment back if you have more questions about deposits. The Community always has your back. Have a good one!