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now for our next topic if you are doing merchant services meaning youre taking credit cards from your customers most of the time it works just fine but if you give a customer a refund and its a really large amount of money there may be some days when the amount you refunded is bigger than the amount of money that you charged for the day and so instead of receiving money in your checking account that day you actually had money taken out of your checking that day because the refund was bigger than the total charges for the day QuickBooks Online does not allow you to make negative deposits and so when you wind up in this situation how do you get the daily transactions off of undeposited funds out of the bank deposit window and so theres a trick to it theres a way of doing it that can help so again the scenario is you ran a large refund that day and the amount of the refund was bigger than the amount of sales that you took in so your the month the bank took money out of your checking