Thanks for bringing this up in the QuickBooks Community, @emericaskate0707.

Your customer needs to sign an authorization form to process an ACH bank transfer to your bank account. This way, you can accept ACH payments right in QuickBooks Online. 

You also need to check the I have authorization and would like to process this transaction box in order to process the payment inside QuickBooks.

Moreover, you can check out our Merchant Agreement link for further clarification. This will provide an outline of the rights and responsibilities of each party involved in the agreement. 

To get more details in processing ACH payments, check out this article: How to Process an ACH Bank Transfer from a Customer.

If you have further questions or concerns, enter them in the comment section down below. I'll be here to answer them for you. Have a great weekend!