There's some good info there, but you still haven't answered the question of why it takes 5 to 7 days in the first place. Every other institution processes ACH transfers in 1 to 2 days depending on when the transfer was initiated. Why does it take QuickBooks 5 to 7? Furthermore, QuickBooks now allows you to pay a fee to get the transfer faster. This proves it's possible even for QuickBooks. It also tells me that QuickBooks is determined to make money off my ACH transfers either by holding my money and collecting interest or by charging me a fee.
