I heard your sentiment, VTNW. I'm here to help you with the payment received issue that you encountered within the QuickBooks Desktop.

Once the Use Undeposited Funds as a default deposit to account is not enabled, all your received payments will be automatically deposited to your checking account. To double-check if it's enabled or not.

Here's how:

1. Click the Edit tab in the upper left corner.
2. Choose Preferences.
3. Select Payments.
4. Click the Company Preferences.

If it's enabled, I suggest running the Verify and Rebuild tool to check if there are possible errors within your company. Verify Data tool will identify the data issues of your company file and the Rebuild Data tool will resolve the data integrity issues collated by the Verify Data tool.

Here's how:

1. Go to the File menu.
2. Select Utilities.
3. Click Verify Data, then select OK to close all windows.
4. Then, go back to the File menu.
5. Select Rebuild Data under Utilities.
6. QuickBooks will ask you to make a backup before rebuilding your company file.
7. Select OK.
8. Once done, click OK.

If you have any additional concerns besides receiving payments in QuickBooks Desktop, please don't hesitate to post them here in the community. Stay safe!