Hello @scotty98  - nothing is worse than not getting the help you need.  I see you are using QBO - I use desktop.  Not sure if this is the same, but maybe it will give you an idea of where you can look...  This is what we JUST discovered (after 6 months of your frustration, moving out payroll into the right account).  We also use Direct Deposit, so I am unsure if it is the same for you. 

This was SO frustrating for me when my payroll was posting to the incorrect account...  here is how we corrected the problem.

Go to Employees

Send Payroll Data

After submitting your password BEFORE you hit "send"

On the right hand side on the border, is a PREFERENCES button.

After selecting the preferences button, you can set which chart of accounts/bank account to post to.

Whew!  And, finally!  After about six month, we got it

Happy tracking

R