Hey there, dkcrider.
While the Community can provide answers and troubleshooting solutions to certain questions, there are things that only our phone support can do to resolve the problem.
To ensure you can get your money back, I'd suggest getting in touch with our QuickBooks Support to help you trace the direct deposit.
Please be reminded that our Support Team is available from 6:00 AM until 6:00 PM on weekdays, and 6:00 AM till 3:00 PM PT on Saturdays. Here's how to contact us:
1. Click the Help (?) icon.

2. Choose Contact Us.

3. Enter a brief description of your situation in the What can we help you with? area, then click Let's talk.

4. You'll be presented with a few options for connecting with Intuit. Select Get a call.

In case you need help with changing your direct deposit details, here's an article for your reference: Change an employee's direct deposit info. Even if this article is for QuickBooks Online US, the same process can be applied to your International account.
I've got your back if there's anything else I can help you with. I'm always here to lend a hand. Have a nice day!