Credit card, debit card, ACH—no matter how you're paid, we'll deposit funds next business day.**
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Keep cash flow strong with faster deposits
With QuickBooks Payments, deposits hit your account however fast you choose—next day, or even sooner if eligible.**

Automatic next day
Instant when you need it
For expenses and opportunities that can't wait, eligible customers can choose Instant Deposit for an extra 1% fee.**
Keep the speed, lose the fee
“Waive” goodbye to the 1.75% fee on eligible Instant Deposits with a QuickBooks Checking account, if eligible.**
Stay ahead with next-day deposits
Simply open a Payments account to have eligible payments deposited next business day. Rest easier knowing you can cover employees, pay vendors, and pursue investments.**

Get QuickBooks Checking for instant funds, no added fee
Want Instant Deposit, but not the added cost? With a QuickBooks Checking bank account, send money to your QuickBooks Debit Card instantly for no extra fee, if eligible. It’s the seamless spending power your business needs to be ready for anything.**

Let’s get you paid faster
I’m already a QuickBooks customer
Apply for a Payments account and a QuickBooks Checking account using a single application. Applying is totally free.
I’m not a QuickBooks Customer
You’ll need a QuickBooks Online account to use Payments and QuickBooks Checking.
Frequently asked questions
Instant deposits
Instant Deposit allows QuickBooks Payments customers to deposit an available balance into the bank on-demand, 24 hours a day, 7 days a week.
Currently, only some QuickBooks Online customers are eligible to use Instant Deposit. We are actively working to make it available to all QuickBooks customers.
You will usually see your funds deposited in minutes; however, it can take up to 30 minutes depending on your bank. All transactions are subject to risk review and third party delays.
It depends on your history with Intuit. New customers start with a $5,000 daily limit. This may increase as you grow your business with us in good standing, with a potential maximum of $50,000 daily. Your limit resets each day and you can use instant deposit up to 5 times a day.
Next-day deposits
Next-day deposits for credit card and ACH bank transfer payments are available to qualified new QuickBooks customers whose accounts are active and in good standing.
The deposit cut-off time is 3:00 PM (PT). Any payments processed after 3:00 PM (PT) will be deposited the next business day.
If your payment is processed before the 3:00 PM (PT) cutoff time and the next day falls on a holiday or weekend, you should see your next-day deposit funds in your account the next business day.
If you have QuickBooks Payments set up, you can conveniently track all your transaction fees and deposits in your QuickBooks account. Just sign in to QuickBooks, select Sales or Invoices, and go to the Deposits tab.
Here’s some information we recommend you check out:
Payment dispute protection
For an additional fee as low as .99% and up to 1.99% on card transactions, we’ll automatically forgive chargebacks. Get up to $25,000 per year and up to $10,000 per transaction in chargeback protection through QuickBooks. Sign up in a single step to start your coverage.**
NEW BUSINESS
Feel confident from day one
You’re never too small, and it’s never too soon to know you’re on track for success.

Limited time offer terms
Discount: Discount applied to the monthly price for the QuickBooks Products is for the first 3 months of service, starting from the date of enrollment, followed by the then-current monthly list price. To be eligible for this offer you must be a new QuickBooks customer and sign up for the monthly plan using the “Buy Now” option.
**Features
QuickBooks Payments account subject to eligibility criteria, credit and application approval.
QuickBooks Checking Account opening is subject to identity verification and approval by Green Dot Bank.
QuickBooks and Intuit are a technology company, not a bank. Banking services provided by our partner, Green Dot Bank.
Instant Deposit: Instant deposit is an additional service offered by QuickBooks Payments subject to eligibility criteria, including delayed eligibility for new users and availability for only some transactions and financial institutions. The service carries a 1.75% fee in addition to standard rates for ACH, swiped, invoiced, and keyed card transactions. This 1.75% fee does not apply to payments deposited into a QuickBooks Checking account. Deposits are sent to the financial institution or debit card that you have selected to receive instant deposits in up to 30 minutes. Transactions between 2:15 PM PT and 3:15 PM PT are excluded and processed the next day. Deposit times may vary due to third party delays.
Next-day deposit: Next-day deposit features are subject to eligibility criteria. Subscription to QuickBooks Online may be required. We anticipate that a large majority of customers who use bank transfers (ACH) with QuickBooks Payments will receive next day bank transfer (ACH) deposits as transaction history is established. New payments customers will be notified when next day bank transfer (ACH) eligibility is established. For next day deposits, payments processed before 3:00 PM PT arrive at your bank the next business day (excluding weekends and holidays). Deposit times may vary for other payment methods, third party delays or risk reviews.
Payment Dispute Protection: Payments Dispute Protection ("PDP") is an additional service that covers you for certain payment disputes (i.e. "chargebacks") that your customer initiates through its card issuer associated with a credit or debit card transaction on the American Express, Discover, Mastercard or Visa networks and are processed by QuickBooks Payments while you are enrolled in PDP. You must be enrolled in PDP when both the customer's payment is processed and payment dispute is initiated to receive coverage. Payment disputes covered by PDP are subject to a per-payment dispute coverage limit of $10,000 with a total annual coverage limit of $25,000 for all payment disputes received on a rolling 365-day period. Payment disputes related to transactions processed by QuickBooks Payments prior to 3 PM PT on your enrollment day will not be covered if you enrolled in PDP after 3 PM PT. The PDP service fee ranges from .99% to 1.99%, based on eligibility criteria. Terms, conditions, and service fee subject to change without notice.
**Product information
Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services. For more information about Intuit Payments' money transmission licenses, please visit https://www.intuit.com/legal/licenses/payment-licenses
QuickBooks Payments and QuickBooks Checking accounts: QuickBooks Payments and QuickBooks Checking accounts: Users must apply for both QuickBooks Payments and QuickBooks Checking accounts when bundled. QuickBooks Payments’ Merchant Agreement and QuickBooks Checking account’s Deposit Account Agreement apply.
QuickBooks Checking account: Banking services provided by and the QuickBooks Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to license from Visa U.S.A., Inc. Green Dot Bank operates under the following registered trade names: GoBank, GO2bank and Bonneville Bank. Registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. Green Dot is a registered trademark of Green Dot Corporation. ©2021 Green Dot Corporation. All rights reserved. QuickBooks products and services, including Instant Deposit, QuickBooks Payments, Cash flow planning / forecasting are not provided by Green Dot Bank.
QuickBooks Payments: QuickBooks Payments account subject to eligibility criteria, credit and application approval. Subscription to QuickBooks Online is required. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services.
Terms, conditions, pricing, special features, and service and support options subject to change without notice.
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