@Tiffany I have implemented electronic bank payment module both standard and advanced quite a few time. As @KevinJ of Kansas mentioned this option is optimized for AP type of transactions including payroll. Also for positive pay transactions. You are better of with other options for AR transactions. Recently Fi-Span released a complete banking integration which can handle customer debit payment along with any other type of payment in real time. This service will change the banking for any ERP system. I was one of the advisor for the dev team.