This question is in relation to the recent Equifax breach:
I'm less concerned about my credit card number being out there. That gets stolen and used by thieves on average at least twice a year. I've never had an issue getting this reversed. I'm also not concerned with SSN so much. A credit freeze is easy enough and not planning on using my credit for at least another year.
But, what is the real danger of having your checking / savings account number in the hands of criminals? It seems to me that actual paper check fraud in recent years isn't much of a thing. What are the electronic attack vectors possible when someone has your bank account number, routing number and bank name in addition to SSN? Let's assume I've already taken the social engineering precautions and changed passwords. I'm also a human firewall and it's highly unlikely anyone will gain information from phishing attempts, phone or email scams. What are the remaining risks to Bank numbers specifically?
