Dear YvetteVelarde
If you will search through other "Official" responses to this question and the same question in other threads, you will find ranges of 2-5, 2-7, 3-5, 5-10, 7-10 for the delays... No consistency and yes I understand about the first payment 5 day delay. (Which is also not really needed. QB has many, many. many staff that could reduce that delay to something more reasonable. If it is always 5 days due to the workload, then clearly it can be caught up and maintained at a much shorter interval were the desire there since the exact requirements are already known based on the existing and historic workload.)
I have had difference verbal responses for the delays when calling support just like from moderators here.
I have also noticed, now that you mention it, that I have never seen any user comment that their deposit was anything less than 5 days at any point. With all of these discussions, no user with experience has volunteered that it was anything else. Surely if that was common, we would hear something from someone. Statistically I would think we would hear more than one or two comments in these threads that our delays were something unusual, but that is not what happens.
When the official line differs from our experiences, then what else should we do?
As an additional note, I did not find any reference to the ACH payments in the links you have provided. There were several other transaction delay discussions, but no mention of ACH specifically or how it would be related to any delays.
I also called and confirmed just now with another large regional, multi-state bank I have dealt with for decades that there is no such thing as them receiving a "fee" to speed up the their process for ACH payments. ACH is governed is such a way by the NACHA rules that they do not "speed up anything" because we send QB an extra fee. 1-2 days for the transactions.
(Not to say there cannot be the occasional unique situation as an exception. Stuff happens. )
However if there really is such a thing as a "NACHA speed up the banks processing fee" that changes the actual banks behavior instead of just speeding up QB as we seem to observe, please provide that to us so we can examine it.
My banks say QB is incorrect.
