It's great to have you back in the Community, @annstephens.

There are several terms of payment schemes when using QuickBooks Payments. I'd like to help route you to our Merchant Services Teams to identify how you will be charged with the ACH payment and what possible scheme you can have for your account.

You can get their contact information through this link: QuickBooks Online Payments.

You can also refer to this blog for more information about eChecks: Process an ACH bank transfer from a customer in QuickBooks Online.

Let me know if you have other questions about ACH payments. I'll be here to help however I can.