Just because something is a possible attack vector for fraud, doesn't mean it shouldn't exist. Other US banks offer the feature. And, at least in the UK, it's a

Just because something is a possible attack vector for fraud, doesn't mean it shouldn't exist. Other US banks offer the feature. And, at least in the UK, it's a standard thing to do. If they combined with two-factor auth, then it's no less secure than the debit card and PIN they offer. The interest of a Simple checking account is no more than the interest on any other banks checking account, so I don't think they're doing it at all. Checking accounts usually accrue some tiny amount of interest.