I don't buy this. If I give someone a check (which has an account number on it) that doesn't mean they get to withdraw whatever they want from my bank account. What bank in the U.S. wont reverse fraudulent ACH debits?
It says on page 35 of my Bank of America Deposit Agreement and Disclosures:
> If you voluntarily disclose your account number to another personal orally, electronically, in writing or by other means, you are deemed to authorize each item, including electronic debits, which result from your disclosure. We may pay these items and charge your account.
It may be that there is some rule that says just giving someone a check doesn't count as "voluntarily disclosing" your account number.
handing out your login credentials is like giving a blanko check with your signature on it already.
> What bank in the U.S. wont reverse fraudulent ACH debits?
If you admit to handing out signed blank checks, I would hope that most if not all banks would at least have a discussion with you about how you may be not the customer they are looking for.
