To verify why your Instant transfer option in QuickBooks Checking is missing, I recommend contacting the Green Dot support team directly, Roger.
You can reach out to them by dialing the number located on the back of your card.
It's also important to note that this feature is subject to eligibility. If you're able to use this before, seeking assistance from Green Dot ensures this matter gets investigated thoroughly. They can look into your account and provide further insights about the issue you're currently facing.
For more information about instant fund transfer, check out this link: Transfer funds instantly with QuickBooks Checking.
Feel free to reply to this thread if you have more concerns.