@EsigNEC 

RE: Does QuickBooks desktop create a direct deposit file that I can submit to our bank instead of having QuickBooks submit the deposits for us automatically?

No, it doesn't. (Wasn't that easy to write?)

If you want to do this, you can get a 3rd party app such as our BRC Direct Deposit File Creator 

Among other features, it supports DD orders to up to 7 bank accounts per check as well as remainder checks, where only part of the check is sent via DD and then the check can be printed for the rest of the net pay.