Hello there, scowlingfrog.
I appreciate you taking the time reaching out to us. Allow me to bring clarifications to your concern.
Bank transfer (ACH) payments normally takes 5-7 days to reach your deposit account. As what my colleague @JaneD mentioned, the process time varies depending on your Financial Institution's policies and how they handle the payments and the following factors stated above.
On the other note, QuickBooks Payments offers a next-day deposit process. Since this process is considered to be an add on service of QuickBooks and it needs to be expedite, a fee is added.
You'll want to read this article to learn more about your invoice payment deposit schedule: Next-Day Deposits for QuickBooks Payments.
I'll be around here in the Community, so please don't hesitate to reach out to me if you have other questions concerning QuickBooks Payments.
