I'm glad to see you here, @joanb-infinetix-.
I recognize how relevant adding a third account to the direct deposit for an employee is. Currently, QuickBooks only supports two accounts.
Rest assured our engineers are continuously working to roll out enhancements based on our customer's requests.
You can also utilize these articles to help set up and manage your employees' direct deposit in payroll:
As always, please keep in touch if you need further assistance handling payroll transactions in QuickBooks. I'll be happy to help. Stay safe!