Welcome to the Community, allclass2019qb.
The instant deposit feature is available to eligible QuickBooks Payments users. More of this information can be found in this article: Get help with instant deposits.
Since you're no longer seeing this option, I suggest reaching out to our Payments support to verify and review your account. Just click the link and get the number under QuickBooks Online with Pay.
For your reference on how to manage instant deposits, kindly check out this link: Get instant deposits in QuickBooks Online.
Don't hesitate to reach out to us if you have other concerns while working with instant deposits. I'll be right here to help you. Take care!