Hi, @gnomedog.

There's an ongoing investigation about being unable to turn on the bank transfer option for invoices in QuickBooks Online. I suggest contacting our support team to be added to the list of affected users.

Since the payment method is missing on the customer's profile, consider adding it manually.

Here's how:
 

1. In your left navigation bar, go to Sales, then Customers.
2. Find the appropriate customer and click their name.
3. Hit Edit.
4. Access their Payment and Billing tab.
5. In your Preferred payment method drop-down list, choose + Add new.
6. Enter the necessary information.
7. Select Save.

In addition, you can utilize other supported browsers if it still doesn't work.
Also here's an article to guide you on reconciling your accounts: Reconcile.

Hit the Reply button if you need further help with your invoice payments. I'll be around to help.