ACH transfers (aka bill pay in some banks), most regular payments out of account X also have a corresponding transfer ~5 days prior from a main cash account to

ACH transfers (aka bill pay in some banks), most regular payments out of account X also have a corresponding transfer ~5 days prior from a main cash account to account X. It's not flawless, but it is insulation against ACH fraud, both electronic and forged checks/e-checks (I've been hit by both before). It also makes it nearly impossible to use most budgeting softwares out there, aside from battle-tested Excel.