Hi there,
Thanks for reaching out to the Community to answer your question. I'll be answer your question about Online Payments.
At this time, QuickBooks Online Payments works with one bank account. I see how important it is for you to have two accounts and I think this would be great feedback for our engineers. You can send feedback directly to our engineers by clicking the Gear icon and looking for Feedback. New product ideas and improvements are based on the great feedback we get from users like you.
Let me know if you have other questions. I'll be happy to assist.