I spend 2-3 hours every month ($400 of my time) working with your team to manually negotiate or authorize a $10 Processing FEE with Citibank. Its 100% in your hands to process the ACH.  You have successfully processed the payment 3 to 4 times. It takes many phone calls and maybe 7 days. It works. QB just has to let it process automatically.  I bill other clients that have smaller banks. I can see that the FEE ranges from 2% to 10% more or less. I suggest that you negotiate a better deal with Citibank.