Thanks for joining the thread, @BKBLLC.

I'm here to share insights about using direct deposit in QuickBooks Online.

You can only use Intuit’s direct deposit services to pay your employees or contractors. For paying other company expenses, use another payment method such as writing checks instead.

If the owner is set up as a contractor, then you can use direct deposit. All you have to do is to ensure that your company's payroll is set up for direct deposit, then follow these steps to use the service:

1. Go to the Payroll menu, then click Contractors.
2. Select Bank account.
3. As prompted, enter the following: 
   • Account Number
   • Account Type
   • Routing Number
   • The account holder's Phone Number
   • Account holder Full Name
4. Click Save.

For complete details, check the Set up your contractor's direct deposit section for QuickBooks Online Payroll in this article: Set up and manage direct deposit for your contractors.

If not, you can't use direct deposit to make guaranteed payments if they're set up as regular vendors. However, you can pay them outside QuickBooks and record the payment by creating checks.

Furthermore, you can check this article to get reports on all the money you've paid: Run a report with vendor totals. 

Please let me know if you need further clarification about making guaranteed payments to owners via direct deposit. I'll be here to answer them for you. Have a good one.