QB Issue Resolution:

there is no setting like that, it is a sticky, or supposed to be anyway

set the account to undeposited funds on the receive payments window, and when you save it is supposed to remember and the next time you open receive payments that will be selected

if that is not happening, gear>feedback and report/suggest it to the developers

Resolution for Issue 'How do I make undeposited funds the default for payments from customers in QBO?' available: Yes (Solved).
Source: Intuit Community forum.

How do I make undeposited funds the default for payments from customers in QBO?: this issue or error code is a known issue in Quickbooks Online (QBO) and/or Quickbooks. Support for this issue is available either by self-service or paid support options. Experts are available to resolve your Quickbooks issue to ensure minimal downtime and continue running your business. First try to resolve the issue yourself by looking for a resolution described below. If it is a complex issue or you are unable to solve the issue, you may contact us by clicking here or by using other support options.

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