Hi there, @1730Airport.
It's nice to have you in the Community today. I'm here to provide information about the error code 20102 and how you get past to it.
Error code 20102 indicates that the Employer Identification Number (EIN) is connected on a different account and you have already an active Direct Deposit on a duplicate EIN which is associated with another account. To get this resolved, I'd suggest giving our Customer Care Team a call. They have the proper tools to check on your account and be able to associate your EIN to the appropriate account so you can run your Direct Deposit with no errors.
Here's how you can reach them:
Also, I have here some articles that you can refer to about Direct Deposit in QuickBooks Desktop.
These resources should guide you on getting past the error that you received and run your Direct Deposit successfully.
You've got me here if you have any other questions. I'd be happy to address it for you. Have a great day!