Thanks for reaching back out to the Community. The best way to transfer money between accounts is by following the steps that my colleague provided above. QuickBooks Online doesn't hold money it just records it for you. You'll need to do the transfer outside of QuickBooks.
If you're still having trouble, you can always contact our Customer Support Team. They have additional tools to help ensure the transfer is successful. Here's how:
It's that easy. If you have any other concerns, please let me know. I want to make sure all of your concerns are addressed. Take care!