Thank you for joining the thread, @nhmorgan01. Let me guide you in the right direction for help.

QuickBooks Payments is a feature designed to take payments from QuickBooks. It charges a fee every time you process a transaction, and it also depends on how you processed the payment.

You can check out this article about the fee type and the transaction fees charged by QuickBooks Payments.

I recommend contacting our Payments Support team to assist you in real-time and provide detailed information about the charges. Our support team can pull up your account and check every transaction in it.

I also added this article to learn more about when QuickBooks Payments deposits customer payments.

Let me know in the comment section if you need further assistance with your bank transactions. The Community always has your back. Have a good day ahead!