@BigRedConsulting Thank you for calling out the misinformation.  I've tried to find an automated ACH payment method directly from QB and it's like splitting an atom for them.  I don't appreciate @jaredemoore and @missymarykay55 being told they need added services that are unnecessary.  From what I read, QB is requiring a two day advance for payments to go through which is ridiculous.  We are now using a very effective and affordable product called ACH Universal by Treasury Software.  It interfaces with QB when I pay bills to create a NACHA file, which I upload to our bank.  It's simple and they have great support if needed. My only complaint is the lack of credit details when you take a vendor credit on a bill payment.  Until QB comes up with a simple, affordable and QUICK (it is in your product name, after all) ACH vendor payment method, I'll stick with our third party product.  But don't have QB users pay for services they don't need.  Very uncool.