Why is there a hold on my account

The reason why your account is on hold varies depending on the payment you process, Robert. I'll discuss this further, including how to release your account seamlessly.

If you are processing payments with QuickBooks Payments and notice that funds are on hold, it means we're reviewing the transaction. This process is a precautionary measure to protect all parties involved and doesn't necessarily indicate a problem.

Here are some common reasons for the hold:

• The value of your payment processing exceeds the predetermined maximum dollar amount expected for your account.
• A transaction is completed after multiple authorization attempts and failures.
• It requires verification of your business type to confirm they adhere to Intuit's Acceptable Use Policy.
• Our systems detect transactional patterns that may pose a risk to any involved parties--you, your customer, or Intuit.

You will receive an email with detailed instructions on releasing your account. Please follow these steps carefully and submit the necessary documents to assist us in completing the review process. For more information, refer to this article: Learn about funds on hold in QuickBooks Payments.

On the other hand, if you’re dealing with direct deposits or tax payments, your account may be held if a debit is returned due to issues with your linked bank account. You'll receive an email with a specific return code explaining the problem, which you can resolve by following this guide: Resolve a non-sufficient fund (NSF) hold on your payroll service.

Moreover, explore these resources to find out when customer payments are credited to your account and how to handle situations when employees haven't received their direct deposits:

• Find out when QuickBooks Payments deposits customer payments
• Handle a direct deposit paycheck that was not received by an employee

Keep in touch in this thread if you have additional questions about managing an account on hold in QuickBooks Online. You can tag us in your replies to notify us in the Community.

Actually, @robertalvarez426 ,  QB "holds" money to collect interest off of it.  They can, and will hold it for weeks, if not months on end, all while driving small businesses into the ground.  QB doesn't care.  And they will keep doing it until they are forced to stop.  That can only happen if people will start stepping up and filing complaints about it.  

I urge you to file complaints with the BBB, FTC, your states Attorney General, and anywhere else you can think of.  This "practice" of theirs needs to stop.  It's unfair to the small business owners that have worked SO hard to make their money.