Good day, Paizli. I'd like to know if there's an error shown when you use the direct deposit so we'll know what resolution to provide. Thus, I'll share the situation why you can experience this issue and a way to fix it.
The direct deposit is being stopped if the account bank account you utilize where the money will be debited is a non-sufficient fund (NSF). To resolve this, you can look for an email that we sent to the Payroll Admin listed on your account that includes a specific return code and discuss everything you need to know.
Once you see the return code, you can visit this article and go to Step 2: Resolve the NSF to find the meaning of the code that was sent to your Payroll admin: Resolve a non-sufficient fund (NSF) hold on your payroll service.
If you're unable to find an email, I recommend contacting QuickBooks Online (QBO) Live Support Team to further review your account and help you locate the root cause of this issue.
On the other hand, you might want to review this material to learn about the different reports you can generate to have an overview of your payroll data: Run payroll reports.
We're all ears in the Community if you have more questions about processing direct deposits. You can add a reply to this post to update us in the forum. Keep safe always.