Are there fees (like ACH) when client payments go to the QB Cash Account instead of my bank account?

Thanks for reaching out to the Community space, Port107.

Let me share information with you about the QuickBooks Payment fees that you get. 

Every time you process a transaction, there's a fee that corresponds to it depends on how you processed the payment. It could be through one of the following:

• Monthly fee
• ACH bank transfer
• Credit card - swiped
• Credit card - online invoice
• Credit card - keyed

Once you received a payment, it will directly deposit on the account you set up. Thus, there's no such thing as QuickBooks Cash account. 

For more information about processing fees, take a look at this article: What are the fees for QuickBooks Payments?.

To keep posted for the most up-to-date rates, visit our QuickBooks Payments website.

If you have further questions, feel free to come back to me by commenting below. I'll be more than happy to answer it for you. Have a nice day.

I appreciate the reply.  But if there is no such thing as a Quickbooks Cash Account, what's this describing?

https://quickbooks.intuit.com/learn-support/en-us/payments-account/quickbooks-cash-flow-faq/00/45533...

Let me sort things out for you, @Port107.

There is no such thing as a QuickBooks cash account within QuickBooks Online (QBO) since the undeposited funds stand for that. 

QB Cash Account is your payment account where all the customer's payments are stored and where fees will be taken. 

It's advisable to store first the money in your payment account to wait for a clearing. This is to ensure that no disputes will be taken.

To learn more about the QuickBooks cash account, feel free to check this article: Use QuickBooks cash account. 

Don't hesitate to click the Reply button if you have clarifications about the QuickBooks cash account. I'm more than happy to help. Keep safe.

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@Port107 wrote:

do I still get charged the ACH fee?

Trying to reduce my fees.

@Port107 

Utilize MP to accept ACH payment for free.

https:// melio.grsm.io/quickbooks

You’re incorrect. Quickbooks has a bank account now. It earns 1% APY, has zero fees for instant deposit on many transactions (that would usually be a 1% fee), and doesn’t have any transaction fees. It does not, however, save you on your payment fees. You’ll still have to pay the scheduled percentages and fees for payments you receive through credit cards and ACH. 

I apologize. When I replied I thought I was replying to the comment saying "let me straighten things out for you," and that's why I said "you are incorrect." Unfortunately, my comment doesn't appear to have shown up under the right comment so it looks like I'm saying the question is incorrect, or something like that. Sorry, still getting used to this comment system.