This issue has been ongoing in QBD for 2 years now with no resolution.  Their support staff keep giving out the same tired templated solutions and no one seems to be getting that the software is defective.  I thought QBO would be better but now see the same deposit issue is here as well so this tells me that the issue is a software bug generally in their merchant deposit function.  And not being able to recreate it on their own or fix it over these pas 2 years is shameful.