Most of my customers pay by check, is there a way I can do a reoccurring ACH transaction every month instead of doing checks?

Yes, that's something that you can definitely do within QuickBooks, pembroke-garden1.

QuickBooks Online Essentials and Plus subscription lets you schedule recurring sales receipts so you don't have to create one every time. We'll just have to select the Authorization hyperlink to send the Bank Transfer Authorization form to your customer. Just ensure to check that box so the payment will process each time a form is created by the recurring transactions.

Let me show you how to set up recurring ACH payments:

1. Click the Gear icon at the upper-right corner and select Recurring Transactions.
2. At the upper-right, click New and then select Sales receipt as the Transaction Type. 
3. Enter a template name. 
4. From the Type drop-down menu, select Scheduled.
5. Choose the customer’s name from the Customer drop-down menu. Then, enter the email. You can select Automatically send emails to send notifications to your customer when you process their payment.
6. For the Interval, select Monthly and the specific date. Enter the Start and End Date.
7. Select the Payment method drop-down, select Check.
8. Click the Authorization link to send the Bank Transfer Authorization form to your customer. 
9. Enter the line for the product or service and amount.
10. Click Save template. 

You can also use this article as a reference on how our recurring transactions feature works: Create recurring transactions in QuickBooks Online. To keep track of the sales receipt being created, you can check out the customer's Transaction List profile or pull up Sales by Customer reports.

I'm just around the corner if you need more help. Take care always!

Can you set up ACH on a checking account to avoid the processing fees for credit cards?

Yes. We can set up an ACH (Bank Transfer) on a checking account, Jennifer100574.

Before doing so, let's make sure to get a signed authorization from your customer as permission to debit their account.

You can follow the steps shared by my colleague on how to set up ACH payments.

Once you've entered your customer's bank info and get authorization, you're good to process the payment.

I've added these references for more information when processing payment:

• Process an ACH bank transfer from a customer
• Take and process payments in QuickBooks Online

Feel free to tag my name in your Reply. I'll be around to help. Keep safe!