How do you turn off Direct Deposit on a inactive contractor so you are not being charged?

I appreciate you for reaching out to us, @A Focused Brain.

You'll be charged a monthly fee for contractors who have direct deposit enabled, even if you don't pay them during the month. However, you have the option to turn off the direct deposits for a certain pay period or contractor. Here's how:

1. Select Payroll, then click Contractors.
2. Toggle the direct deposit on or off by clicking the dropdown menu next to the contractor's name.

For more detailed information, please read this article: Set up and manage direct deposit for your contractors. 

To set up and arrange pay schedules for your employees in QuickBooks payroll, refer to this article: Set up and manage payroll schedules.

Keep me posted if you need further assistance on managing your direct deposits in Quickbooks Online. I'm always here to help. Have a great day.