Hi there, @jmckinley. I can see that you did everything you can to fix this. I've got here additional steps to further help you resolve the declined ACH payments.

You'll receive an email when an ACH payment you process is rejected. That includes the description of the problem that occurs and the details of what you need to do. Fees related to the transaction will also be in the email. If you can't see one, I suggest checking your spam or junk folder.

For more details, please read this article: Fix rejected ACH payments or fees in QuickBooks Payments.

However, if you don't receive any email, I recommend reaching out to our Payments support team to further investigate the root cause of the error. They can also check your account in a secure place and guide you on additional actions you can take to fix this.

I've added this helpful resource that you can read to learn more about accepting electronic payments for online invoices and in-person sales in QuickBooks: Take and process payments in QuickBooks Online.

I'm always here ready to lend a hand f you have any other concerns processing payments in QuickBooks. Have a good one and stay safe.