It’s nice to see you here in the Community, @jkc1954. Let me shed some light about your query.
Yes, we need to have a bank account in payroll even if we are not paying direct through QuickBooks.
You should already have your entire payroll operation online with all employees included and a bank account in place established solely to fund company payroll. Having this bank account in place makes it easy to track funds to ensure you have enough to pay your staff’s wages each month.
If you have the time, you might want to give this page a visit.
If you have other questions or concern. Leave a comment below. I will always be around to help. Keep safe!