Title: IIUC, the ACH system<p><a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Automated_clearing_house" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Automated_clearing_house</a><p>Is utterly insecure. Anyone with your routing number and account number, 2 numbers printed on every check, can ask your bank for all of your money and the bank will not confirm anything with you.<p>My first experience with this was Apple&#x27;s credit card that can only be paid via ACH and I was shocked when I typed in my info into the apple wallet app and then it took my money without the bank confirming anything with me.<p>Why hasn&#x27;t this been more of a problem? Are their mitigations? These numbers can be stolen from data breaches even easier than passwords as they won&#x27;t be salted and hashed, they&#x27;ll be the actual numbers right? The entire payment regime in the USA seems to be switching over to ACH. Should I be worried?
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