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QuickBooks Checking frequently asked questions
Learn more about QuickBooks Checking when you sign up for QuickBooks Payments.
QuickBooks Checking is a monthly fee-free checking account where all your customer payments get deposited. Use your QuickBooks Checking account to get access to customer payments real-time.
Note: To use your QuickBooks Checking account, you need a QuickBooks Payments account. If you don't have one, your application includes a bundled review for QuickBooks Payments, Intuit QuickBooks Workforce or QuickBooks Desktop Payroll, and the QuickBooks B2B Network.
How do I sign up for QuickBooks Checking?
To apply for QuickBooks Checking through QuickBooks Online:
Go to All apps
, then Lending, then QuickBooks Checking (Take me there).Select Apply in minutes and follow the steps on the application.
You can also apply through the QuickBooks Money mobile app.
Note: As of November 2025, you access the mobile app through a web browser.
Who can apply for QuickBooks Checking?
Only primary or company admins can sign up for QuickBooks Checking and QuickBooks Payments. If you already set up QuickBooks Payments , the application defaults to the primary principal. The person we approve is the only user who can move money; other admins have read-only access to view balances.
I'm a co-owner. Is my sign-up process different?
We need to collect info on beneficial owners (anyone with 25% or more ownership). You need to complete this within 30 days of signing up, or we'll close your account.
Why wasn't I eligible for QuickBooks Checking?
QuickBooks Checking is a business bank account, so we verify your identity and business type based on our Acceptable Use Policy.
Important: If we decline your application, the option to resubmit generally isn't available for that specific account. If this happens, you can keep using your QuickBooks Payments account with an external bank account for your deposits.
Are there fees?
There are no monthly fees or minimum deposit requirements.
| Fee Type | Fee |
|---|---|
| Monthly fee | $0 |
| Instant deposit | 1.75% of the total transaction |
| In-network ATM withdrawal | 4 free per month, $3 after |
| Foreign transaction fee | 3% of the total transaction |
How long do transfers take?
External bank to QuickBooks Checking: Typically 3 business days.
Instant transfer (if eligible): Available within 30 minutes.
How much can I transfer?
Inbound (rolling single-day limit): Up to $500,000.
Outbound (rolling single-day limit): Up to $100,000.
Instant transfer (if eligible): Up to $5,000 per transaction; max $10,000 per 7-day period.
Does QuickBooks Checking support wire transfers?
QuickBooks Checking supports incoming domestic wire transfers only, at no cost. You can receive up to $1,000,000 per wire transaction.
Note: You can't send or receive international wire transfers.
To receive a wire transfer, share the following with the sender:
Account holder name (individual or business)
Routing number
Account number
Bank name and address
Find your routing number:
Sign in to QuickBooks Online
Go to Lending & Banking.
Select QuickBooks Checking (Take me there)
Select Manage.
I don't see my wire transfer in QuickBooks Checking. What should I do?
You won't see your wire transfer if it gets rejected, returned, or declined because of incorrect account info. If you don't see the wire in your QuickBooks Checking account, here's who to contact:
If you initiated the wire transfer: Reach out to the sending bank.
If your customer sent you the wire transfer: Reach out to your customer. They'll need to speak to their bank.
Note: To investigate a missing wire, you'll need a Federal Reference number or an Input Message Accountability Data (IMAD) from the sending bank.
Is my account Federal Deposit Insurance Corporation (FDIC) insured?
Yes, The FDIC insurance limit for QuickBooks Checking is a maximum of $5 million. That means balances of up to $5 million are insured by the FDIC.
Our banking partner, Green Dot, is FDIC insured and includes up to $250,000 of coverage. For customers with more than $250,000 in their QuickBooks Checking bank accounts, we use an FDIC sweep program to increase FDIC coverage up to $5 million.
Refer to Know FDIC insurance limit in QuickBooks.
What should I do if I want to dispute one of my QuickBooks Checking transactions? What about suspicious transactions?
If you have a dispute or a concern about a suspicious transaction, call the number on the back of your QuickBooks Debit Card. Our partners at Green Dot will review your account and make sure everything is settled.
Can I overdraft on my QuickBooks Checking account?
We don't currently offer overdraft protection for QuickBooks Checking. If you charge or withdraw more money than you have, we'll automatically decline the transaction.
How do I close my account?
Spend the remaining funds or transfer them to an external bank. The account needs a $0 balance.
Note: If applicable, sell all Bitcoin you purchased through QuickBooks and wait for the proceeds to deposit.Once the balance is $0, call the number on the back of your QuickBooks Debit Card.
What's the bank name and address?
There are situations when you may need the bank address. If you or another bank needs this info:
Green Dot Bank
1675 North Freedom Blvd, Provo, UT 84604
How do I access my monthly statements?
In QuickBooks Online:
Go to All apps
, then Lending, then QuickBooks Checking (Take me there).Select Manage account.
Go to the QuickBooks Checking account section and select Monthly statements.
Select Download for a monthly statement.
In the QuickBooks mobile app:
Go to Menu
then Cash flow, then Cash flow overview.Under the All accounts section, find QuickBooks Checking, then select View account.
Select Manage account, then Account info.
Select Monthly statements, then choose a month. You can then view, save, and share the statement as needed.
Will I get 1099 for this account?
Yes, if you earn $10 or more in interest during the year. We’ll provide you with a 1099-INT form by January 31st of the following year. Here's how you can access your 1099-INT form:
Go to All apps
, then Lending, then QuickBooks Checking (Take me there).Select Manage account.
Locate the tax forms in the QuickBooks Checking account section.
Choose the correct tax year and select Download.
If your QuickBooks Checking account is closed, we'll mail you a 1099-INT.
How do I reconnect my bank feed?
If you see a connection error:
Go to Bank Transactions, select Manage Connections.
Switch QB Checking to Off.
Go back to Bank Transactions and select Add account to reconnect.
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