Can QB create a NACHA file?

The option to create a NACHA file within QuickBooks Online (QBO) isn't currently available, @vgutierrez. I can provide a workaround to help you get around this situation to achieve your goal.

As the NACHA feature isn't an option in QBO, you'll want to explore using a third-party application and integrate it with the program. It'll serve as an extender, enabling you to create NACHA files for ACH payments. Here's how you can add one to your account:

1. On the left navigational bar, click the Apps tab and select Find apps.
2. In the search bar, enter a keyword. Review the result and then click on your preferred third-party app.
3. When you're ready, click the Get app now button and follow the onscreen instructions.

For seamless navigation, refer to the image I added below.

Moreover, I'm providing this handy article to help you determine the deposit speed of your program when dealing with customer payments: Find out when QuickBooks Payments deposits customer payments.

I can also assist in streamlining your process for managing customer payments if needed. You can comment below so I can lend a hand in resolving your inquiries. Keep safe.

@vgutierrez 

You need a 3rd party solution to do so.