Thanks for always getting back here with additional details, yorkiemom2.

The Undeposited Funds account is normally used to store funds when receiving payments from invoices or sales receipts. It works like a cash register to save small payments before going to the bank at the end of the day. 

The previous reply suggests receiving the payment directly from the invoice and selecting the Undeposited Funds account moving forward. Then, make a deposit to move funds to the actual bank. Once the payments are saved in your register, QBO will suggest a match once they're downloaded in Online Banking. Once matched, it will clear the transactions for reconciliation and will not create a duplicate in your register. 

You just need to confirm the match by clicking the Confirm button. This makes sure that won't be any duplicate entries. The status of the transactions will also change to Clear so it's easier to reconcile afterwards.

Please see these articles for more details and references:

• Categorize and Match Online Bank Transactions in QuickBooks Online
• What’s the Undeposited Funds Account?
• Deposit Payments Into the Undeposited Funds Account in QuickBooks Online

Let me know if that clarifies how the process of receiving payments. Don't hesitate to post more follow-up questions if you need anything else.