I'm having the same problem.  A one person office, I've never done direct deposit for just myself.  Now we are adding staff and I'd like to start.  I got the 40001 error with 2019 Desktop Pro and so tried the 2020.  It initially looked like I'd be able to.  But then I realized that all of my payroll taxes were messed up, I had to go back through the payroll items list to fix them.  Most of them are fixed, but am having other issues now.  Then I tried to set up direct deposit since it had looked like it was going to work when I first bought 2020 Pro Plus Desktop and now I'm getting the 40001 error again.  I can't seem to get anyone to call me back from QuickBooks.