If you're recording customer payments using the Bank Deposit feature in QuickBooks Online, this method is for recording purposes only. It doesn't affect your actual bank account.
However, if you're referring to the payment deposited to your account via QuickBooks Payment, I recommend contacting them. This way, the'y'll be able to provide accurate information on why the transaction failed to go into your bank.
Here's how to contact them:
Log in to your QBO account.
Click Help (?) at the top right.
Select Contact Us to connect with a live support agent.
Enter a brief discussion of your concern, click Let's talk.
Select Chat or Get a callback, our support team will route you to our QuickBooks Payment team.
Keep me posted if you're referring to something else and I'll get back to you.