Many factors can prevent you from activating direct deposit. The QuickBooks Payroll might not be working properly due to underlying issues, some of which are as follows:

1. Your payroll subscription may not be active.
2. The bank details for your account are incorrect.
3. You may have entered the wrong information about the company.
4. The internet connection is weak and fails to support certain tasks.
5. The Employer Identification Number (EIN) is not correct.
6. QuickBooks Payroll is outdated and lacks new features.

https://proadvisorsolutions.com/blog/quickbooks-direct-deposit-not-working/