3rd-Party ACH Payments For Consumers?

Does anyone know how I can send ACH Payments, my bank does not allow this, is there another way like maybe a website or app that allows this because the ones I find are for businesses and I just want a website that allows me to make a transfer to a card with routing number and account number, because the one's... show more Does anyone know how I can send ACH Payments, my bank does not allow this, is there another way like maybe a website or app that allows this because the ones I find are for businesses and I just want a website that allows me to make a transfer to a card with routing number and account number, because the one's I find make me do an application and I do not know if I submit an application and they decline me because I am not an official business person! Good banks like Chase and Wells Fargo have that which really sucks, my bank does not allow me to do Wired Transfers, or ACH Payments! Either they do not allow it or I can not find a way to do so!
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