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ACH - a basic account can’t have this protection. We have an idea for an account that is for sending only that is always 0-balanced. That’s not live yet, but perhaps it would satisfy your request.

Check - you can send a check to a specific person from the Mercury dashboard but you can’t print a blank check against the account. That would be rejected. So standard check fraud is not possible.

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re: ACH protections, it would be really useful to have the bank manage for me an account # per ACH contact. Then I could set limits on each contact (e.g. this contact is only allowed to deposit, this contact can only withdraw up to $X per week, etc.) I could also enable/disable accounts on a per-contact basis (e.g. this contact is now barred from receiving any money).

Most importantly, if party A leaks my ACH info, this shouldn't help any other party.

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