Let me sort things out for you,goodneighborlawn.
QB Cash Account is your payment account where all the customer's payments are stored and where fees will be taken. When you get a QuickBooks Cash account or a debit card, it's a monthly fee-free checking account within QuickBooks where all of your customer payments get deposited. Meaning, there are no fees for keeping your money in QuickBooks Cash, and you won't be charged for transferring money to or from your QuickBooks Cash account. If you use instant deposits, there's no additional fee for using your QuickBooks Cash account. However, for other debit cards, the fee is 1%. This is in addition to the regular fees for processing transactions.
To learn more about how QuickBooks Cash account works, you can check out these articles:
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.