Hi, I'm Robert and I'll be helping you with your financial software question.
You would want to create a credit memo for the individual and then apply the direct deposit to the credit memo the same way that you would apply a check to it.
then when you create invoices for their various charges you apply parts of the credit memo to each invoice.
this page shows how to create the credit memo
this page shows how to apply the credit memo to an invoice
there are several ways to do anything. You are the one that asked about credits and how to apply them.
As long as you have found a way to do it and you are happy than I am happy. The way you are using is more of an accountants way to do it creating new accounts. The way I would do it just applies the credits to the invoices without additional accounts. Both ways work. I prefer to use fewer accounts and be able to see the exact transaction easily. But a cpa would probably find it easier to understand the other way.
In any case if you are happy than I am happy.
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