There are a few factors involved. If this is your personal checking account you&#x27;re almost (lol) 100% safe.<p>If this is a merchant account which it needs to be if you&#x27;re pulling from other ppl&#x27;s accounts then yes. Hence the very strict consent rules. At the end of the day there&#x27;s no guarantee of course but if it comes to litigation a recorded message with a verbal approval might tip the scale in your favor. Most merchants don&#x27;t bother of course and just write this off as a cost of doing business and recoup the funds by factoring fraud costs into their prices.