This should be available in your bank or other treasury management provider automation. Does your bank not support this? If you're not getting this from your current biz bank, I would shop around. I recommend Mercury (no affiliation, just a happy customer), but others provide some level of this too.
(workflow automation providers do not want this liability, as you note in Zapier's ToS, which is totally fair)
(workflow automation providers do not want this liability, as you note in Zapier's ToS, which is totally fair)