If this is your first time to process or receive a payment, it would normally take 5 business days to deposit your funds since we're still setting up your merchant account. After we're done, your payments would be faster. It would be 1-2 business days for credit card payments and 2-7 days for ACH payments. There are times that deposits may delay. To find out why, you can check this article: Why are my funds on hold?.
Moreover, banks also have their own rules for processing payments in which their deposit schedule is controlled by them.
As for the needs to be reviewed, QuickBooks Online will scan your downloaded bank transactions and find a possible match. However, if the downloaded transaction in question is from QuickBooks Payments, you can login to your Merchant account to track the payments made by your customers and review from there.