If the credit card payments are from QuickBooks Payments Merchant Services payment processing, you cannot turn-off the automatic application of the payments to the invoices paid via QuickBooks Payments. But, the "deposits" are not automatic. The QuickBooks Payments go to the "Undeposited Funds" account and are then "matched" to deposits that come into the bank feed, and sometimes there are "multiple" QuickBooks Payments that are "grouped" and then "matched" to bank feed deposits accordingly. So, to clarify, there are NOT automatic deposits, there are ONLY automatic applied invoice payments. And this ONLY applies to QuickBooks Payments Merchant account payments.