Any other bank can debit your checking account, but they become responsible for refunding in the case fraud/error. Since no access card (atm card, pin, etc) was

Any other bank can debit your checking account, but they become responsible for refunding in the case fraud/error. Since no access card (atm card, pin, etc) was used, customers have $0 liability for the same 60 days as you do. This is partly why banks are strict with merchant processing, holding back variable reserves to cover refunds/fraud based on your history and business type.