QuickBooks groups payments automatically in the Undeposited Funds account to make them available for deposit later. You can choose whether to use
the Undeposited Funds account by setting a preference under the Payments preference category.
If you sometimes want to send a single payment directly into a specific
account, turn off the preference for grouping payments with other undeposited funds.
To do this task
Open the Payments preferences.
To turn this preference off, at the top of the window click to clear the Use Undeposited Funds as a default deposit to account checkbox.
When this preference is turned off, the Deposit To field appears on the Receive Payments window.
Note: You can still group a single payment with undeposited funds because this account is available as a choice in the Deposit To drop-down list.
Which deposit method should you use when receiving payments?
When you're ready to deposit the payments from your undeposited funds account, click the Record Deposits icon on the Home page. This creates separate transactions for payments and deposits, making it easier to look up transactions later.
Deposit customer payments
About depositing payments