The next thing I'd like to see are deposit-only bank account numbers tied to your regular bank account number, so that you can give someone the information necessary for them to send you money via ACH without them having all the information necessary to drain your bank account.

At present, I transfer money into my checking account for each and every outgoing transaction, so there's both a small time window and a small limit on the amount of a theft, and I have less to worry about giving out my checking account number for incoming transfers.