Hello jimmercereau,
I see how uneasy dealing with the unavailability of printing memos on the checks and stubs from Bill Pay. It makes total sense of how useful and important this feature in business. With that, I'll make sure to gather and take note of the information you've shared here.
For now, I cannot tell when this function will be available in QuickBooks Online (QBO). You may want to visit our blog website in your free time to keep up-to-date with the feature's release soon. We'll be informed of the enhanced features and added ones in the Online product.
If you have more questions about QuickBooks Online, please let me know. I'll provide the details you'll want to know. I hope you're good.