Thanks for chiming in here in the thread, @PAK7K. I'll expound below on how ACH transfers money from customers to your bank account.
 
In this process, the bank transmits digital payment files to the ACH network, which then forwards them to the recipient's bank. Your financial institution will then withdraw the funds from the recipient's bank account. Please note that the specifics will vary based on the type of ACH transaction processed by your client.

For more details about about this, please see this page: Process an ACH bank transfer from a customer in QuickBooks Online.

In addition, here's an article to learn more about the deposit speed of your product and when your funds will be available in your account: Find out when QuickBooks Payments deposits customer payments.

I'm always here to assist you with any QuickBooks-related tasks or managing ACH payments from your customers within the software. Please visit the Community space and comment below. I will respond right away to help you as soon as possible. Stay safe.