I understand that every penny counts, @eliseadaniel. Let me route you to the appropriate support for your deductions and funds on hold.

We recommend contacting our Merchant Services Support Team. This way, we can ensure that the support will address the concern in a secure environment. 

Here's the link to how we can get in touch and help with Payments concerns: Contact Payments Support.

By doing this, the team will thoroughly investigate why funds are on hold, deducted with such an amount, and why the account was closed. 

Moreover, I've added this article for your future reference on how to check when QuickBooks deposits customer payments into your bank account: Find out when QuickBooks Payments deposits customer payments.

Should you need additional assistance managing payments in QuickBooks Online, don't hesitate to reply in the comments. Stay safe.