Let me share some insights to record expenses manually and online in QuickBooks, @Pleasant Paula.

When you record an online payment in QuickBooks that you processed outside the system, you'll want to pay a bill-payment check or check by hand. Then, include a description in the Check's Memo field that you paid it online or enter Wire, Online, EFT, or ACH in the Check # field to indicate you paid it electronically.

When paying bills:

1. Select Vendors and then choose Vendor Center.
2. Open the vendor Bill from the Vendor's Transactions tab.
3. Click Pay Bill.
4. On the Pay Bills window, pick Check from the Method drop-down.
5. Tick Assign check number.
   
    
6. Hit Pay Select Bills.
7. From the Check No. field, enter Wire/Online/EFT/ACH.
   
    
8. Click OK.

For checks:

1. From the Write Checks window, uncheck the Print Later box.
2. Enter Wire/Online/EFT/ACH from the No. field.
   
    
3. Enter check details.
4. Hit Save and close.

On the other hand, you'll want to apply for online payment services through your bank. It means that you'll have to contact your financial institution first to avail the service.

Once you're approved, you can connect your bank account to QuickBooks Desktop. Doing this can help you avail of Online Bill Pay to activate the online checks (e-checks) option. Please see this guide for the complete instruction: Use Online Bill Pay in QuickBooks Desktop.

Please don't hesitate to comment if you need more information about processing e-checks in QuickBooks Desktop. I'm always here to keep you assisted. Have a prosperous business year!