RE: "QuickBooks Desktop has the flexibility to set up a payroll schedule. Since you're using the direct deposit feature, you'll need to set the date two days before the check date to process payroll on time."

This is not correct.  You do not need to set the schedule in this way.

When setting up a schedule, put in your pay date.  If you have DD activated, QB will automatically back up the date from the pay date to the date you need to send DD orders.