ACH: Phone Checks
The convenience of paying bills from your checking account is finally here. Yet many customers–and some small businesses–doubt the utility and safety of these new pay by phone checking options. After all, its one thing to give someone your credit card number–its quite another to hand over your checking account number. Are there safety mechanisms to guarantee your financial security?
In fact, pay by phone checking is remarkably safe. Many of the nations biggest banks–from Wells Fargo to Citibank to Bank of America–all employ some kind of pay by phone checking option. This is not to say that you should give away your account number to just anybody. However, given the securities in place, you can likely trust most merchants to process your order effectively.
Paying by Check over the Phone
Moreover, if you have any questions about your account, you can contact your bank or look up figures online. Regardless of the safety measures you take, however, there are no guarantees. Thats why its critical to always know how much cash you have in your checking accounts and how much you owe on your credit cards. Keeping meticulous financial records is one of the best defenses against fraud.
Furthermore, budgeting more effectively makes it easier for you to handle tomorrows economy. As more and more banking transactions get done electronically, its important to stay up to date on the latest possibilities. Dont worry about the cryptography involved in coding for your security–electronic bank transfers these days are practically impervious to code breakers.
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