> There are a lot of security checks just to be in the ACH system. But most of them depend on the customer reviewing their transactions and reporting fraud. Ot

> There are a lot of security checks just to be in the ACH system. But most of them depend on the customer reviewing their transactions and reporting fraud. Otherwise, it can and will go undetected. I personally don't care to review my transactions, it's a hassle, simple 2FA would do away with it. I live in Denmark, we have similar systems for automatic payment, but at-least it now let's me see who has a mandate to withdraw money from me on a monthly basis. That said, it still a sorry state of affairs. The EU mandated 2FA on all internet shopping, this works, it got done, it's ugly and some of the 2FA systems look sketchy, but online shopping frequently involves an app or a text message for authentication.