Hello, @nicholas.

Indeed, you are right. It takes an average of 3 business days to move money into your QuickBooks Checking account. 

You can check this article to learn how to use your QuickBooks Checking account to save money or use features like envelopes to save proactively this article also serves as your guide if you decide to dig deeper into your Checking account: QuickBooks Checking FAQ

I'm one click away if you have further questions regarding your QuickBooks Checking, I'll be happy to help.