Let's figure out why your customer credit card charges appear under Undeposited Funds but aren't visible when recording a bank deposit. Then, make sure you'll able to deposit it, Tbrown.

Are these credit card charges manually recorded as an expense in your books? If so, it can be due to currency discrepancies. Be sure to select the accurate currency in the bank deposit, aligning it with the currency used for the credit card charges. 

Click the Currency drop-down arrow and choose the appropriate one. When credit card charges appear, you can create a batch deposit.

If you're using QuickBooks Payments or another payment services application, I recommend reviewing the payment screen manually. Ensure that the payment is deposited into Undeposited Funds, so it shows up in the Bank deposit.

Here's a guide on reconciling an account in QuickBooks Online. It provides instructions on matching your bank or credit card statements.

Feel free to click the Reply button and share your concerns whenever you want. I'm here to do my best to answer your questions about handling fees/charges in QBO.