I appreciate you for getting back to this thread, @emericaskate0707. Let me add information about ACH return.

The ACH payment can be returned for various reasons. If that happens, you'll be notified with a code. 

In case you got an email from Intuit concerning an unsuccessful direct deposit or payroll debit with a return code, refer to the list in this article to know the reason and possible course of action: ACH (Automated Clearing House) return code reference chart.

In addition to that, let me attach this link to help you fix rejected ACH payments or fees in QuickBooks Payments. 

Keep in touch if you have further questions about ACH return in QuickBooks. I'm always around to assist you. Have a good day!