We use Cliq.com for ACH for about 3 years now moving lots of transactions. Amounts are from hundred to low single-digit thousands (<$10k) about 200/wk. API is not as mature as Stripe but you can't beat the cost at $0.20 per transaction.

We mostly do outbound so no verifications are done

We plan to do the traditional 2 small deposit verification. After discussing we decided not to force our customers to give up their bank logins to Plaid just for a quicker verification.