I can not answer your question, but I would strongly suggest that you edit your forum profile so that your username is not your email address, it is a sure way to get Spammed as all posting to the forums are publicly visible.

Even if a vendor is set up for direct deposit, you will see 'cheque' when you go to the payments screen to record direct deposits.

Entry of payments (cheque, cash, Mastercard, Direct Deposit) is separate from entry of payable invoices. The person entering a payable will be able to select, for instance, 'cheque' or 'cash' payment on an invoice, whether the customer is set up for direct deposit, or not.