# How to Stop Using QuickBooks Checking and Redirect Credit Card Payments


If you’re looking to **close QuickBooks Checking account** services and move your deposits to a different bank, you’re not alone. Many business owners switch banking setups due to operational changes, better banking terms, or recurring **QuickBooks Checking problems**.

While QuickBooks Checking is designed for seamless integration with QuickBooks Payments, there may come a time when you want to:

* Stop using QuickBooks Checking account
* Transfer payments from QuickBooks Checking
* Change your QuickBooks Payments deposit account
* Close your QuickBooks bank account entirely

This detailed guide walks you through how to safely stop using QuickBooks Checking and redirect credit card payments without interrupting your cash flow.

If you need expert assistance during the process, call 📞 **844-753-8012** for step-by-step support.

## Understanding QuickBooks Checking

QuickBooks Checking is an online business banking service connected directly to QuickBooks Online and QuickBooks Payments. It allows you to:

* Receive customer payments
* Get instant deposits (in eligible cases)
* Manage expenses
* Transfer funds to external accounts

However, some users experience **QuickBooks Checking account issues**, such as:

* Delayed transfers
* Deposit holds
* Limited banking flexibility
* Customer support challenges
* Preference for a traditional bank

If you’re facing ongoing **QuickBooks Checking problems**, switching deposit accounts may be the right move.

## Before You Close QuickBooks Checking Account

Before you officially **close QuickBooks Checking account**, there are critical steps to complete:

1. Ensure all pending transactions have cleared
2. Transfer your full balance to another bank
3. Update QuickBooks Payments deposit settings
4. Download past statements for record-keeping
5. Verify no recurring payments depend on this account

Closing the account without preparing could interrupt payment processing.

## Step 1: Transfer Funds from QuickBooks Checking

The first action is to **transfer payments from QuickBooks Checking** to your primary business bank account.

### How to Transfer:

1. Log in to QuickBooks Online
2. Navigate to the Checking tab
3. Select “Transfer”
4. Choose your external bank account
5. Enter full balance amount
6. Confirm transfer

This completes your **QuickBooks Checking to business bank transfer**.

Allow 1–3 business days for processing, depending on your bank.

## Step 2: Change Deposit Account in QuickBooks Payments

To avoid interrupted revenue flow, you must **change deposit account in QuickBooks Payments** before closing QuickBooks Checking.

### Why This Matters

If you skip this step:

* Customer credit card payments may still route to QuickBooks Checking
* Deposits may bounce
* Funds could be delayed

### How to Change Deposit Account

1. Go to Settings (⚙️ icon)
2. Select Account and Settings
3. Click Payments
4. Choose Manage Details
5. Update Deposit Account Information
6. Enter new business bank details
7. Verify with micro-deposits if required

This updates your **QuickBooks Payments deposit change** settings.

Once confirmed, new payments will automatically deposit into your chosen bank.

## Step 3: Confirm New Deposit Routing

After updating your deposit account:

* Process a small test transaction
* Verify it lands in your new bank
* Confirm no funds route to QuickBooks Checking

This ensures a smooth transition when you **move credit card payments from QuickBooks Checking**.

## Step 4: Stop Using QuickBooks Checking Account

Once deposits are successfully redirecting:

* Disable debit card usage
* Remove QuickBooks Checking from bill pay
* Cancel recurring expenses tied to the account
* Update vendor payment methods

This effectively helps you **stop using QuickBooks Checking account** before closure.

## Step 5: Close QuickBooks Bank Account

Now you’re ready to **close QuickBooks bank account**.

### How to Close:

1. Log into QuickBooks Checking dashboard
2. Locate Account Settings
3. Choose Close Account
4. Follow verification prompts
5. Confirm closure request

In some cases, you may need to contact support directly to finalize the process.

If you encounter issues, call 📞 **844-753-8012** for assistance with safely closing your QuickBooks Checking account.

## Common QuickBooks Checking Problems That Lead to Closure

Many businesses decide to leave due to:

### 1. Deposit Delays

Some users report unexpected deposit holds.

### 2. Transfer Limits

There may be daily transfer caps that don’t fit larger businesses.

### 3. Customer Support Concerns

Slow resolution of banking issues can frustrate business owners.

### 4. Preference for Traditional Banking

Some businesses prefer:

* In-person branch access
* Lending relationships
* Integrated credit lines

If you’re experiencing ongoing **QuickBooks Checking account issues**, switching to your primary bank may simplify operations.

## Will Closing QuickBooks Checking Affect QuickBooks Online?

No.

Closing QuickBooks Checking does NOT:

* Delete your QuickBooks Online account
* Cancel QuickBooks Payments
* Remove your company data

It only changes where funds are deposited.

## Important: Reconcile Before Closing

Before you **close QuickBooks Checking account**, reconcile it in QuickBooks Online.

Steps:

* Match all transactions
* Clear outstanding items
* Ensure balance is zero
* Mark account inactive in Chart of Accounts

This prevents bookkeeping discrepancies later.

## How to Mark QuickBooks Checking Inactive in QuickBooks Online

After closure:

1. Go to Accounting
2. Select Chart of Accounts
3. Find QuickBooks Checking
4. Choose Make Inactive

This removes it from daily use while preserving transaction history.

## What Happens to Instant Deposits?

If you previously used Instant Deposits:

* They will now route to your updated deposit account
* Fees may vary depending on your new bank
* Verify eligibility with QuickBooks Payments

Always test deposits after making changes.

## Risks of Closing Too Soon

If you close prematurely:

* Refunds may fail
* Disputes may process incorrectly
* Chargebacks could be delayed
* Pending deposits may freeze

That’s why transferring funds and updating payment routing first is critical.

## Frequently Asked Questions

### How to Close QuickBooks Bank Account Safely?

* Transfer full balance
* Update deposit account
* Test new deposits
* Reconcile account
* Submit closure request

### Can I Reopen QuickBooks Checking Later?

In most cases, yes—but it requires a new application process.

### How Long Does It Take to Close QuickBooks Checking?

Typically 3–5 business days after final transfer clears.

## When Should You Keep QuickBooks Checking?

QuickBooks Checking works well if you:

* Use Instant Deposits frequently
* Want tight integration with QBO
* Run a small service-based business
* Don’t need physical branch access

However, if you’re experiencing consistent **QuickBooks Checking problems**, switching banks may reduce financial friction.

## Best Practices When Redirecting Credit Card Payments

To smoothly **move credit card payments from QuickBooks Checking**:

* Change deposit account first
* Wait for confirmation
* Keep both accounts active temporarily
* Monitor daily deposits
* Notify accountant of banking change

This prevents revenue interruption.

## Summary: How to Stop Using QuickBooks Checking Account

Here’s your action checklist:

✔ Transfer full balance
✔ Change deposit account in QuickBooks Payments
✔ Test new deposits
✔ Disable QuickBooks Checking usage
✔ Reconcile account
✔ Close QuickBooks bank account
✔ Mark account inactive in QBO

Following these steps ensures a seamless transition.

## Need Help Closing QuickBooks Checking?

Banking changes can impact cash flow and bookkeeping accuracy. If you’re unsure about updating your deposit routing or closing your QuickBooks Checking account, professional guidance can prevent costly mistakes.

Call 📞 **844-753-8012** for expert assistance with:

* Closing QuickBooks Checking account
* QuickBooks Payments deposit changes
* Fixing QuickBooks Checking account issues
* Redirecting credit card payments
* Ensuring accurate bookkeeping