Hello there, rlmcameron. I appreciate you for bringing your concern to the Community forum. 

When processing bank transfers with a maximum of $10 per transaction, QuickBooks will charge 1% for every ACH payment process. That's the reason why you're getting charged for that particular rate. Your idea will need to hear by our payments team. With that, I'd recommend getting in touch with them to validate this feedback. I can see how ACH transfer costs you each year. 

Here's how to contact them:

1. Within your QBO account, go to Help at the upper-right corner.
2. In the Search tab, click Contact us.
3. You'll be asked to enter a brief description of your concern.
4. Click Continue. 
5. Select Chat with us , Have us call you, or Call us. 
   

You may want to check these articles for additional details:

•  Accept ACH payments and eChecks.
•  Standard Payment Fees & Rates

Please visit again if you have other questions about QuickBooks. The Community is always around to help in any way that we can.