Could anyone please explain where and how to request ACH Direct DEBIT of funds from MY OWN personal bank account? The ACH Processors such as nationalach.com are out of the question because they only work with business companies. Once i would like to send funds to someone else's PERSONAL account and once to someone else's BUSINESS account. Always via having my own funds on my own personal account ACH direct debited. I don't know where to request this. I did some research, my account is in Wells Fargo, and it might be possible to create ''ACH File'' but I have zero experiences in this. No idea how to do this, where to send that to, via what to sent,... How else can I request ach debit (own personal account with my own funds)?
(Note: cannot send a check. Need solution to EXACT situation i am referring to. Not an alternative.)