After reading through multiple posts, and being very grateful that I am not the only one that finds this practice disgraceful, I did call Merchant Services, and am now VERY clear as to why Quickbooks is holding OUR funds for absurd lengths of time. It's so we as customers get so tired of waiting for OUR money we can then be extorted into paying Quickbooks a 1% fee per transaction to have our funds deposited the next day (next day is available by nearly every other banking institution these days, BTW). Absolutely DISGUSTING. I am now exploring other options through my bank directly via Zelle or similar. See ya later, Quickbooks. How you can consider this an acceptable business practice, considering the amount of money we pay to utilize your services in the first place, is beyond my comprehension.