I'd be happy to help you set an account default for a payee via QuickBooks Desktop.
If you wish to set a default account for the payee when downloading bank statements, you can use bank rules in order to memorize and categorize them.
From Banking menu, Bank Feeds > Bank Feeds Center.
Select Rules in Bank Feeds window.
In the Rules List window, select Manage Rules drop-down then choose Add New.
In Add Rules Details window, provide a Rule Name.
From the Description drop-down, make a selection and in the Description field, type a word or phrase you want to use as the condition for the rule. If you want to create more conditions, select + button.
In Do This section, make the appropriate selection from the drop-down and depending on your selection, enter the Payee name or the Account name.
When you download transactions into your Bank Feeds, they are usually categorized as:
(Auto) Matched: The downloaded transaction corresponds to the one you’ve entered into this account register in QuickBooks.
(Need Your Review) Unmatched: The downloaded transactions don’t match any transaction in this account in QuickBooks.
To add transactions using renaming rules:
Mark the box to select a transaction under Need Your Review.
Assign the appropriate payee and account.
From the Action drop-down, choose Quick Add.
In the Rule Creation window that pops up, click OK.
The transaction will be marked Changed by Rules.
To add them to your register, select the CHK category and then from the Batch Actions drop-down, select Add/Approve.