Hello there, Annieb40.

Automatic Instant deposits can't be turned off in QuickBooks Online (QBO). Instead, you'll want to turn off the scheduling. I'll show you how to do it below:

1. Go to the Gear icon.
2. Choose Account and settings.
3. Select the Payments tab.
4. Choose Deposit Speed. Then, click Change.
5. Remove the check for all the marked days and leave All the days Off.
6. Click Save schedule.

Let me also share a couple of articles to share in case you might need them in the future:

• Find out when QuickBooks Payments deposits customer payments.
• Handle duplicate credit card transactions in QuickBooks.
  
  

You can always get back to me here in the Community if you have any other questions. I'll be more than happy to assists you.