Anybody in the US can try and pull as much as they can. This is a very old system going back before electricity. Paper checks signed by pen sent by mail (horse back) to banks. They checked that the signature on the check matched the one on file and released the funds. This system worked in that era but now someone gets your bank account number and can use it online to pay for something without a signature and banks don't really verify anything.
Someone I know had checks stolen and the people used the info on the checks to pay their electricity bill. The police were notified and even though they new exactly where these people lived, did nothing. The only thing to do is close the account and open a new one. What a stupid system for the user, but the banks don't care enough to change it.
Someone I know had checks stolen and the people used the info on the checks to pay their electricity bill. The police were notified and even though they new exactly where these people lived, did nothing. The only thing to do is close the account and open a new one. What a stupid system for the user, but the banks don't care enough to change it.