I never had to deal with instant deposit fee on previous transactions. Even as close to a week ago and all of a sudden, it's enabled on a $28,000 transaction.

Good day, Fullconstruction1.

I appreciate you getting back to the Community regarding instant deposit settings. The option to switch off instant deposits in QuickBooks Online (QBO) is unavailable. However, you can turn off scheduling to avoid instant deposits.

Here are possible reasons why Instant Deposit became active. Instant Deposit is not enabled by default. It can be activated when you add a debit card or bank account to the Instant Deposit section, often in response to prompts from QuickBooks. Once linked, some transactions automatically qualify for Instant Deposit (for a fee), even if you did not intend to use it right away.

Here's how to change your deposit speed:

1. Click on the Gear icon in the upper-right corner of the screen.

2. Select Accounts and settings from the menu.

3. Navigate to the Payments tab.

4. Choose Deposit Speed, then click Change.

5. Uncheck all the marked days, ensuring that all days are set to off.

6. Finally, click Save schedule to apply your changes.

Please note that even with the schedule turned off, some transactions may still process as instant deposits if you manually select them during processing. To avoid this entirely, ensure no cards or bank accounts are listed in the Instant Deposit section.

For more information about this process, check out this article: Get instant deposits.

Feel free to return here anytime you need assistance.