That sounds good until fraud/hacks/mistakes happen and your are the customer that needs them to modify the account. Example: I got my bank routing/account numb

That sounds good until fraud/hacks/mistakes happen and your are the customer that needs them to modify the account. Example: I got my bank routing/account numbers from a bank in a state in which I had not set up my checking account in but the bank teller put the routing number as if I had creating the account in that state. Thus, my first paycheck went to an empty account and I went to the bank that day and they fixed it for me. Putting any of my money in a place that is irreversibly is the last place I would put it.