@cv1987 After a few hours of being bounced around, I came across a really wonderful and knowledgeable agent, Kelly. She knew the solution right away. The problem lies within the Payment settings under the gear icon. QBO sneaked in their QB Checking as the default account for processed deposits. I know for a fact that I have had my regular bank set up for payment recognition, but no longer, as we just discovered. (How do I know? 2 years ago, I had a huge investigation brought on after the payments routed through QB Checking disappeared. After the intrusion of the Office of the President, all of my settings were scrutinized by the developers to ensure no more money went missing, and we made sure we got rid of QB Checking. I made sure I switched to another payment platform except for a few sporadic QB charges.)

So you want to make sure that your payment settings under the gear button are set for your business checking account, not QB Checking. As for the deposits that have been already impacted, go to Sales, click on the Payment and click on the link with the date of deposit. It will take you to the next screen on the very top of which you will see QB Checking in the drop-down, so change that to your business checking. After that, the deposit in the bank feed will turn out as matchable, giving you a correct cue.

The takeaway is a combination of the very valuable information that you spent your time collecting and sharing (which I truly appreciate), the solution I just shared, and the fact that the automatic matching does not work as designed and intended. I never turned on the auto-matching - I assume the QBO did it in their usual manner of doing something against their customer's will as it does with many other things. It is time to turn it off and test it with another payment to see if this eliminates the matching difficulties and possibly to inactivate QB Checking from the Chart of Accounts. It is intended to herd you into Intuit's ecosystem via the default utilization of their checking account.