I'm sad to hear about the situation you're facing with your account closure and the holding of your funds, @SiteReplicaLLC.

I see how it would be essential to have an explanation for such a worrisome experience. Rest assured, I'll be around to provide some insights about this matter.

Your QuickBooks Checking account will only close when the balance is $0. In this situation, I suggest contacting the number printed on the back of your QuickBooks Debit Card to help settle everything. 

Also, when QuickBooks detects any unusual aspects in your payments, we will initiate a review process, which may temporarily place the deposits on hold. In such cases, you will receive an email containing instructions explaining the reasons behind the hold and providing guidance on how to address the issue. For more insights, you can review this link: Why are my funds on hold?

If you haven't received any email, it's best to call our QuickBooks Payments support team. They have the necessary tools to review your account in a secure environment. This way, they can check the root cause of the on-hold funds. 

I'm also sharing this resource to help track down and move payments to Undeposited Funds so they show up in your Bank Deposit window: Find missing payments you want to deposit in the Bank Deposit window.

I appreciate your efforts in bringing this matter to our attention, and please rest assured that your satisfaction continues to be our utmost priority. If you have any further questions or require additional assistance, please feel free to mention my name.