For my purposes, I went with Innago (innago.com).  They do charge $2 for any ACH transfer but do NOT have any subscription fee.  I would have a max of $240 in charges for a year but would still save money considering the $800 price tag for QBO.  The accounting is far less than what you get from QBO but for my needs MAY fit the bill.  I've turned off accepting ACH through QBO and paused all my recurring transactions.  I'll give Innago a shot for a while.