To be honest, it’s a bit of overkill. The protection afforded here is against creditors with poor technical expertise or perhaps a computer error. Many stories

To be honest, it’s a bit of overkill. The protection afforded here is against creditors with poor technical expertise or perhaps a computer error. Many stories of creditors auto withdrawing more than what was authorized. If a creditor was supposed to be paid $100, but somehow they withdrew $10,000. I’ll be out of that money for an unspecified moment of time. By having a minimally funded bank account, that withdrawal attempt for $10K will get declined. Unfortunately in USA, ACH (direct debit or credit) transactions do not have the same protections as debit or credit cards.