To make an ACH debit, you'd need to verify a bank account beforehand. And I don't think client libraries support a `bank account resource` w/o curling.
If you don't get it working on Stripe, maybe you'll have better luck with WePay. They're a marketplace payments service like Balanced was, and they support ACH payments.
Ask Balanced to confirm for yourself. We are Forte are very saddened to see them go, but will continue to support them and their ACH processing until the day that they turn out the lights.
https://www.wepay.com/developer/facilitate_withdrawals/settl...
https://www.wepay.com/developer/facilitate_withdrawals/embed...
Disclaimer: I haven't actually used them myself. YMMV.