Hi AR1305,
Welcome to Community! Recording your EFT payments in QuickBooks Online can be done seamlessly. However, you will still need to complete the transaction outside of your books. I can understand the benefit of having this feature available, and you can submit a suggestion to our Development Team by going to your Settings ⚙ and select Feedback. In the interim, you can review other options for third party apps here.
Feel free to reach out again, if you have any other questions. We would be happy to help!