Quickbooks is using your money to beef up their overnight reserves.  This way they do not have to borrow money to meet their reserve requirements.  My client pays his bill immediately and I do not see the money for 5 DAYS!!!   Yet my clients account is debited the full amount.  Verification is done immediately.  All the crap quickbooks says is just that CRAP!   They are using your money and they do not want to pay you to use it.   I am looking for other ways to get payment than to pay Quickbook stupid high rates just to transfer money and then steal its use from me for 4 to 5 days.   DOWN WITH QUICKBOOKS.  FINED ANOTHER WAY TO GET PAID.