This is unfortunately not the case in reality.<p>It is quite easy to get access to high value checking accounts for less than 50 USD. They could be personal or business. For between 25-75 USD you could get access to all the login information you need to access Wells Fargo&#x2F;SunTrust&#x2F;BoA accounts. You could see both Plaid micro-deposits. Even PayPal has faced this issue and they&#x27;re solution was to be a huge pain in the fucking ass to users.<p>Balancing convenience with security for ACH is not an easy task. That&#x27;s why ACH is so damn hard to do online.