You can ACH from any company with a voided check and Versa Check (available at most office depots). You simply print a check from the customer's account (get a void one to produce it). I've been doing it for years for my clients (same as a draft, but nowadays bigger banks want you to go in and make the deposit rather than Atm it, so they can verify it. Little known fact also that the banking system in the US now has the ability to actually look into accounts that are not their account. Wells can actually look into a B of A account that is not their customer (done it plenty of times but the bank managers are not supposed to tell you. Shocked me when I watched my banker do it. I don't believe in fees but do it for my other services like business credit.