I have NO unapplied payments/income showing on any report in QuickBooks. I have NO duplicate payments showing either.  I have no Open Invoices on any report in QuickBooks excepts one I haven't actually received payment on yet.  My bank is connected and I download daily already.  I already had stated above that my P/L report shows NO unapplied payments as well.  Can someone please answer me about should I be doing the Bank Deposit function in QBO?  I don't know about using undeposited funds account because my husband is the employee and he keeps all invoices til the end of two weeks when he is ready to be paid.  I enter the invoices into the QBO.  When the bank deposit transaction comes back thru the bank the next business day, I go into that deposit and add my customers, A/R receivable account and record the amt of their payment and it equals the total amount of the actual bank deposit.  I then go to each invoice and click Receive Payment

and their accounts show paid in full.  It is usually about 10 invoices per pay period.  I never knew I had a problem until I looked in the QuickBooks app and saw they show as unapplied but with zero due for each customer.