Thanks John, as always thanks for the responses....
I do have the Payment Gateway set up however when i set it up the only option is to pay by credit card., in fact the only way that the gateway would allow me to connect is if i enable accept credit cards through my intuit payment. Through quickbooks my customers can pay through a routeing number and bank account number and only costs me $0.50 vs the 3.5% which is typically much greater than $0.50. I would actually like to allow some customers to pay through credit card (the smaller jobs) and others only allow online check. This can not be accomplished through quickbooks so if you have a solution through method that would allow online checks and be able ot select the drop down options based on the amount total that would be fantastic.