I agree with everything I've read so far. When I've called about this they tell me it's 5 working days and I can't forget the weekend doesn't count. Duh, funny thing is desktop payments were only taking 4 days. I'm in finance for heaven's sake. I wonder how many investors in intuit understand that the reported cash on hand is really other people's money being floated for a ridiculous period. Do they realize I can take a check from a client and clear funds faster? I am so unhappy with all of this. It's very frustrating!