Let me know if you find one. Nothing is free for businesses. All the smaller, better banks are getting eaten up. Like everyone else I waited awhile to be able to deposit checks into QBO then when it finally arrived little did I know that it would take a week! I have gotten so screwed by this that after 3 tries I am no longer using this service. They say your instant deposit with credit card payments is free when you click the button but then they charge you for it a week later as well so you don't notice it under some random QB administration fee bundled together with other fees.