"Everything I’ve found charges 2.5% for ALL transactions including ach and debit cards."

One of our local banks offers ACH and electronic payments as a free service. I opened a checking account there, which is free and does not require a minimum. You can pay me electronically or I can set up ACH from my end. I have a client contract that works with US Bank, and they charge $13 a month for all of these same services. You can shop around.