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?
> 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.
Ah that’s the key though, you have to tell them to reverse it. I think you have 60 days in most cases. But the onus is on you to dispute the debit.
Hence why I avoid ever linking my bank to anything.
> 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.