I'm not going to sit here and argue with you because in light of what you just said you aren't intelligent enough to depict what I have stated. I'll lay it out in simple terms maybe you can understand. I don't know, maybe go read what I wrote again. Nowhere did I mention that THIS is SOLELY the reason that QB is doing this. It is only one factor of many that both banks and QB do things like this.

Get over yourself. It is true and happens all the time. Even when I was trading, there were SEC measures in place to combat fraud. Especially money laundering. 

From Adrian A, Moderator:

"Hello there, rstran.

Yes, QuickBooks will charge from $1 to $10 every transaction using QuickBooks Payment. The amount will be debited from your bank account the same day your money is deposited into your account.

This helps your bank to process the payment faster."

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This is untrue.  Do you work for Intuit, and are they telling you to say this? 

The fee intuit charges to release the funds in a timely manner doesn't help MY bank do anything.

My bank processes ACH's like any normal bank, at normal speed, without excessive delay. There is no way for me to pay them to make that go faster.