The fees intuit charges for ACH transactions have no relationship whatsoever to the actual cost of moving money via ACH. I think Intuit is hoping that customers think these fees are acceptable and are like credit card fees, but they're not at all like credit card network fees.

Generally ACH transactions literally cost pennies - regardless of their amount. If you go through your bank and you're not a high-risk business (very few businesses are), it will typically charge only a flat fee between 20 cents and $1.50 per transaction - where each transaction can be up up to the $100,000 NACHA standard limit. And even with these low fees, the banks actually make a lot of money because the actual cost to the banks is something like 2 cents per transaction.

https://ramp.com/blog/ach-processing-fees