When you pay a 1099 contractor or vendor via ACH through Quickbooks Online, QBO spams the contractor regularly to create an account.

Thanks for informing us about this, @AfterOffersLLC.

First and foremost, I'd like to commend you for the efforts that you've exerted into this.  For your situation, I recommend contacting our support team. This way, a representative can check and determine if those emails are from QuickBooks. To begin, here are the steps:

1. Sign in to your QuickBooks Online company.
2. Select Help (?).
3. Select either tab to get started:

• Assistant: Get quick, personalized answers. Select a suggestions option, or type a question or topic you need help with. If you decide  you need further help, you can still Talk to a human.
• Search: Search the QuickBooks Online Knowledge base directly, or select Contact Us nd choose a way to connect with us:
• Start a chat with a support expert.
• Get a calback from the next available expert.
• As the Community to get help from business like yours.
  
  

Additionally, I've got you these handy articles for your future reference:

• Get answers to your 1099 questions.
• Common custom reports in QuickBooks Online.
  
  

You can always find me here if you have any further questions or require assistance with specific QuickBooks Online features. Rest assured that I am always ready to help you. Keep yourself safe!

These emails are 100% from Quickbooks NOT phishing.

I appreciate the information that you've added, @AfterOffersLLC. I'll share some details about your concern so you'll no longer be receiving these emails.

Please know that even if you've already filled up the W9 form for your contractors, they'll also need to fill it up on their end. There's also no need for you to sign up for a direct deposit. Let's make sure that you and your contractors have filled up the W9 form. Rest assured that there won't be any additional cost after this.

Additionally, here are some articles to help you in the future:

• Set up contractors and track them for 1099s in QuickBooks
• Get answers to your 1099 questions

Please know that you are always welcome to post here again if you have any additional QuickBooks-related concerns. Rest assured that we in the Community are ready to assist you. Keep safe!

Another option, you can utilize a 3rd party app for free to pay your 1099 contractors and avoid this issue.