@hg1234 

Explore this one

https://www.manager.io/

Then to pay your bills for free by ACH, you can signup for a Melio account for free. One perk for the month, you will get a $100 cashback from them to successfully complete your first payment on the platform of at least $200 with a credit card.

https://affiliates.meliopayments.com/pricing

Hope it helps.