BTW -- one other point, anyone that sees another persons check has all they need to electronically process a payment (or deposit) against their account. What s

BTW -- one other point, anyone that sees another persons check has all they need to electronically process a payment (or deposit) against their account. What stops them from doing it is generally 1: a lack of knowledge, 2: the Fraud protection and audit trail combined with stiff penalties (e.g. its a US federal felony from what I understand) for doing it. Not that it doesn't happen, but in 10+ years I have never had anyone dispute an ACH/Wire transfer (or illegally reprocess one), but Paypal fights and (a few) chargebacks we have had. One last note, payroll departments many times have you sign an agreement that says IF they over pay you that they can automatically go into your account and auto debit the over payment amount. That is completely legal and legit, but I've never had a company send me an agreement granting them the same permission, and I wouldn't sign it if they did.