Hi theflyingkiwi42. I'm a co-founder of Balanced. Happy to answer whatever questions you have about our product and hear how we can make Balanced's ACH products better, but don't want to derail this thread. Would you mind commenting on one, or more, of our ACH related GitHub issues [1]? Or you can email [email protected] to expand on your thoughts here. Cheers!

-jkw

[1] https://github.com/balanced/balanced-api/search?q=ach&ref=cm...