Ah yeah but looks like ACH rewards are only for Fold+ subscribers, that was the problem. I can’t see paying for Fold+ when it gets harder and harder to get any sats back at all– or at least enough to cover the subscription based on my avg monthly spending. 

 I get that. Personally I was able to rationalize the cost of the membership solely to allow me to keep all my value allocated to Bitcoin in a seamless way that allows me to easily pay fiat bills.

But your mileage may vary!