ACH fees should not be charged for the first 10 invoices per month, and fees capped at 5 bucks per ACH transaction at the most. Problem is, QB does not support small business anymore, they really do not care about their customers and do not care about growing our economy in the USA. These banks are not our business partners, and we need to find opptions and say NO!  The old fashion way of doing business through check and cash is always best. In the last 48 years of working for myself I only had two bounced checks, which is a small price to pay next to all these crazy fees. I cancelled more than half the apps I use so far this year and plan on exiting everything I don't need. As consumers we need to say no to fees. There are no ACH fees for most small business bank accounts if you maintain a balance of one or two thousand dollars. And there is no cost to use excel for invoicing either...