"If YOU want to do the payment, that's another screen.  If it's for an invoice and you're processing a payment with their bank info, you would go to Receive Payments and select CHECK as the payment method.  You should get a popup box below that asks for their bank info."

Now, what if you don't see those checkboxes or any of that because I'm in the right place and I have seen those before and then they just disappeared the next day now I'm on here trying to speak to a real human over the phone to resolve a problem and they keep handing me over to some kind of robot. at this point, I'm thinking about canceling my QuickBooks plan and going somewhere else I'll give it 2 more days tho.