If you have a US-based account, you can choose to accept payments directly from bank accounts (ACH or e-checks.)
1) Create a payment form
2) Scroll to the Payment Methods section.
3) Choose "Yes" for the Bank Account option.
4) Now, at the payment section on your payment form at checkout, your payers will see the option to pay with their bank account.
5) Once selected, your customers will have the ability to search for their bank and enter in their banking credentials.