I definitely would advise against AllianceACH.com for the time being. They got sued by their bank and we lost a $5000 deposit because they don’t have the money to refund it.
I’m pretty sure they are going out of business, although not positive. If they do end up getting their act together, and giving us back our deposit, I would definitely use them again. After they stopped providing ACH services, we switched to FirstAch.com.
FirstACH.com has what you need – however I have to warn you their interface (both API and GUI) are terrible and annoying. Their customers service is inept and they aren’t flexible in working with you to provide solutions tailored to your individual needs. Unfortunately they are the best we have found.
We are currently looking into Wells Fargo business solutions as an alternative, however I suspect it won’t be nearly as cheap.