QB Issue Resolution:

Yes, in fact that is the way QB has always worked

 

for an immediate sale, create a sales receipt, that puts the funds in undeposited funds account, when you actually go to the bank, then use make deposits in QB

 

if you use an invoice, use receive payments

Resolution for Issue 'It it possible to accept cash or check using new sale without going through the electronic check rip-off.' available: Yes (Solved).
Source: Intuit Community forum.

It it possible to accept cash or check using new sale without going through the electronic check rip-off.: this issue or error code is a known issue in Quickbooks Online (QBO) and/or Quickbooks. Support for this issue is available either by self-service or paid support options. Experts are available to resolve your Quickbooks issue to ensure minimal downtime and continue running your business. First try to resolve the issue yourself by looking for a resolution described below. If it is a complex issue or you are unable to solve the issue, you may contact us by clicking here or by using other support options.

Support for accepting payments works
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Error Recovery for accepting payments works [Canada]
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