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QuickBooks Payments allows you to accept credit card and ACH payments within the USA. However, we can only use one bank account for receiving online payments at the moment. 

You'll want to make a bank transfer to the other bank account once the payment is already deposited. Alternatively, you can also update the account every time an invoice is created for the other state. Although, this might take some time since you'll have to wait for all pending transactions before changes can be made.

Follow these steps on how to update bank accounts in case you want to do that:

1. Sign in to QuickBooks Online in a web browser. Here's the link: https://quickbooks.intuit.com/.
2. Go to the Gear⚙ icon and select Account and settings.
3. Proceed to the Payments tab. Then, click the Change link beside the current bank account. 
4. Click Add new bank account or select one from list.
5. Enter the account and routing number of the bank account you want to change to.
6. Choose Save, then select Submit.

I would also recommend sending feedback or suggestions about being able to use multiple bank accounts for receiving online payments. Customer voices are collected and reviewed when new updates and features are designed. Here's how to send it in QBO: 

1. Go to the Gear icon and select Feedback.
2. Type in your feedback and suggestions about using two bank accounts for Merchant Services.
3. Click Next to submit them.

For additional guidance and references, feel free to check out these merchant-related articles: 

• QuickBooks Payments FAQ 
• Common Questions About Payments Deposits in QuickBooks Online 

Let me know if that answers your question about receiving ACH payments. The Community is always here if you need anything else.