Welcome to the QuickBooks Community, @USMC1.
Usually it takes about 2 to 3 business days and an additional 2 to 3 business days once the test deposit/withdrawal to the bank is verified. Approximately, 7 days to set up including verifying your bank account for security purposes.
If it's not yet verified on the said date, I suggest reaching out to our live support. They have the tools to pull up your account to verify and fix it for you.
For additional information about verifying test transaction, you can check out this article link: https://quickbooks.intuit.com/learn-support/en-us/verify-test-transactions/verify-test-transaction/0....
Feel free to add a comment below, if you have additional questions. I'm always here to help. Stay safe and take care always!