There is probably something amiss with your zones settings.

I've had this problem myself, and since I don't really care what country/zone people wish to pay from, and apparently I had higher priority issues at the time, I took the 'easy' solution.

---------- locate the code that reads like -----
if ( ($this->enabled == true) && ((int)MODULE_PAYMENT_DIRBANK_ZONE > 0) ) {
$check_flag = false;
$check = $db->Execute("select zone_id from " . TABLE_ZONES_TO_GEO_ ................
--------------------------------------------------

And change the $check_flag = false ; to $check_flag = true ;

Cheers
Rod.