Welcome to Community, @thegaragedoordoc.
Let me give some insight on the bank transfer fees. QuickBooks Payments charges a fee each time you process a transaction. Fees also depend on how you processed the payment.
For ACH bank transfer, you'll get a 1% fee maximum of $10. Please refer to this article for your guidance: Standard Payment Fees & Rates.
Feel free to also visit our website for the most up-to-date info: QUICKBOOKS PAYMENTS AND QUICKBOOKS CHECKING.
I'm also attaching our help page in case you need help managing payment-related tasks. It has topics with articles to guide you along.
Please let me know if you need help with anything else or with the payment fees. I'm more than happy to assist you. Take care and have a great day ahead.