Federal reserve regulation D puts strict limitations on transfers from savings to ensure bank capital ratios and solvency, not liability. Fraudulent withdrawal

Federal reserve regulation D puts strict limitations on transfers from savings to ensure bank capital ratios and solvency, not liability. Fraudulent withdrawals (eg: check forgery, ACH fraud) are caused by the nature of our high trust banking system. Account takeovers are easiest to pull off via social engineering vectors. Alternatively build a good key management UX and don't talk to any Nigerian princes. I'd rather prioritize that.