This is not the kind of experience that we want you to have @CRM21.

Thank you for that additional information. To continue isolating the issue you're having and help you resolve it, I suggest reaching back to our Customer Support team. Their tools can get into your account in a secure environment and double-check the error you're having.  

You can follow the steps below on how to reach them:

1. From your QuickBooks Desktop account, click the Help menu at the top.  
2. Click the QuickBooks Desktop Help menu and select QuickBooks Desktop Help.
3. Provide some information about this concern on the search box.
4. Click the Contact Us link at the bottom of the window. 
5. You'll now be provided with a few support options.  
6. Select Get a call to arrange a callback from a support agent. Or Start a chat to chat with them directly.  

Here's the contact QuickBooks Desktop support article for more information about this.

Here’s more information on how to fix issues with direct deposit in QuickBooks: Handle a direct deposit paycheck that was not received by an employee.

If there’s anything else I can help you within the meantime, please let me know. I’m here to help! Take care and have a great rest of the day!