I worry sometimes about fraud and/or unscrupulous people getting a hold of my bank account numbers, with regards to electronic transactions. I've heard it's very easy for imposters to use ACH to get money once they have the numbers.
Obviously I'd like to keep the option to withdraw in person. I wouldn't mind not being able to write checks, if that's relevant.
P.S. Not for the entire bank, just my account.
Yes, kinda.
Talk to local banks about a business account, and tell them you want to enable certain employees to make deposits but not withdrawals. They don't need to know you're all the same person.
For instance I have a PayPal account for business. These allow you to create "sub accounts" for your employees with a variety of access privileges. Of course I control the master account, but I also set up a "sub account" for myself. That is the account I use every day.
Nowadays, all checks you write will not be send to your bank anymore, but instead the bank where they get deposited does an ACH from your bank. That implies that not allowing this to happen, your bank would not be able to honor any checks you wrote (without enforcing paper check delivery in the mail, but the Check21 bill does not allow such enforcing anymore). Basically, your bank would not be able to do business with anyone. The obvious conclusion is that no such bank exists.
