[CA] How does a small business *send* occasional EFTs?

My business banks with TD. Sending EFTs (e.g. to pay vendors, employees by direct deposit) should be a standard part of a business account, but apparently it's a premium feature that requires someone to call me to set up (with no definitive timeline other than "we see the referral still in our system"). I've shopped around but it seems small businesses are treated as a nuisance at most banks. Third party EFT / AFT / ACH vendors seem to be set up for high volume payments, not 1-3 a month. How are small businesses expected to *send* EFTs?