Payments

This is based on a preference.  Intuit changed the default some years ago in an apparent effort save you from yourself.

To make it so you can choose between Undeposited Funds and your bank accounts, start on the QuickBooks menu at Edit | Preferences | Payments | Company Preferences.

Then de-select the you'd-never-guess-what-this-does ineptly named option Use Undeposited as a default deposit to account. 

A better label would be Make all Payments use only the Undeposited Funds Account even if that's a counterproductive waste of time. 

Once you make that change, when you receive an A/R customer Payment, you'll see an account drop down on the form:

You'll also see it on the Sales Receipt form:

Also, your selected will 'stick' like a preference, and so once you pick the bank account you want to use it'll become the default.