Hi peeps
I have a question regarding banking security in the U.S. Is it true that someone can withdraw money from your checking account just by having your account number and routing number through ACH transfers? 
I’m concerned about the safety of my bank information and would like to know if there are safeguards in place to prevent unauthorized withdrawals.
Any insights or experiences related to this topic would be really helpful. Thanks 
Someone with access to both your account number and routing number could withdraw money from your personal bank account . They could also use these account details to shop online, pay bills, create counterfeit checks or apply for new credit accounts.
Hey pals listen to this,
for checks or withdrawals at a bank branch, your signature may be compared to the one on file.
Many online banking services require an additional form of verification, such as a code sent to your mobile phone.
Banks have varying degrees of sophistication with respect to screening ACH transaction. They will have a process for assessing risk on whether they process or hold the requested transaction. Where the payment is going, dollar amount and transaction history for account and where it’s going will be assessed.
These aren’t full proof, but it’s not nearly as easy as your statement indicated.
So I fall in false side of the fence.