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Re: Checking debit



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In <[email protected]>, on 01/11/97 at 12:46 AM,
   [email protected] said:


>DEBIT YOUR CUSTOMERS' CHECKING ACCOUNTS ... COLLECT CHECK PAYMENTS FROM YOUR WEB PAGE,
>OVER THE PHONE, OR AS AN AUTOMATIC MONTHLY DEBIT!

>Close sales at your Web site, close telephone sales immediately, ship
>merchandise immediately(!) ...by drafting the customer's checking account.  

>No more waiting in vain for "checks in the mail."  This service increases
>your cash flow, and reduces the cost of billing, mailing, bookkeeping, and
>collections associated with your customers who pay by check...for far less
>than the cost of accepting credit cards! 

>For more information about this new service, please click "reply" to respond to me at
>[email protected].

Be afraid, be very afraid.

I didn't think one could debit a bank account without signed documentation
by the holder of the account giving permision to do so. Personaly I would
never give somone such authorization to do so.

If they are capable of getting access to funds in an account just by a phone
conversation this is truly a sad state of affairs for the banking community.

Could somone here with more banking background clarify this?

Thanks,
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