Hello Levcap, Interesting thought. You may need to check that out though. Certainly for the very top tier funders banks do make allowances, but banks are notoriously poor at two things, ie: customer service and technology. Problem is these two things are vital to properly executing ACH transactions. Also, if a bank makes nothing on ACH transactions, one can rest assured there will not be any further development of the service platform, or reporting mechanisms. We have heard numerous stories of people who simply cannot retrieve proper reporting from their bank who had been performing their ACH transactions. Banks do extremely well at certain functions. However, performing ACH transactions is not one of them