Deposit times may vary for other payment methods, third party delays or risk reviews. Payments processed before 3:00 PM PT typically arrive at your bank the next business day (excluding weekends and holidays). Next-day deposit: Next-day deposit feature subject to eligibility criteria. Deposit times may vary due to third party delays. Transactions between 2:15 PM PT and 3:15 PM PT are excluded and processed the next day. Deposits are sent to the financial institution or debit card that you have selected to receive instant deposits in up to 30 minutes. This 1.75% fee does not apply to payments deposited into a QuickBooks Checking account. The service carries a 1.75% fee in addition to standard rates for ACH, swiped, invoiced, and keyed card transactions. 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.