QB Issue Resolution:

Banks hold onto the money as long as possible so they can loan it out for short term inter bank loans and make money on the interest (they often loan funds for one or two days interbank)

just as an FYI, the reason the debit card transaction works almost immediately on your bank account is simple, the result of the contract between the CC processor and the host bank that provides the debit card, the processor wants it money now – so they get it

Credit cards are even sneakier, well some of them, on the due date they calculate interest due on your balance

if your payment hits the account on the due date, it gets posted after the interest due calculation is done, effectively the interest is be charged as if you had not made a payment, to beat them, be sure your payment hits at least two days early

Resolution for Issue 'It this age of rapid, electronic banking, why does Intuit hold onto our ACH payments for 2-3 business days?' available: Yes (Solved).
Source: Intuit Community forum.

It this age of rapid, electronic banking, why does Intuit hold onto our ACH payments for 2-3 business days?: 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.

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