Unique-Public-8594 t1_iu59yh4 wrote on October 28, 2022 at 5:26 PM

Citizens Bank requires ID also.

Really not sure why. Is it maybe to prevent a scam in which a fraudster puts a random number on a deposit slip to test whether it could be a valid/active account number and, if accepted, then drains the account? But I’m not sure how they could drain it with only the account number but not the name or PIN number. And not sure we want to give this stuff away on social media either!

Degothia t1_iu5ghyi wrote on October 28, 2022 at 6:10 PM

Not hard. If you've validated an account number, routing numbers are easily googled. Then you just initiate an ACH / EFT debit against the account because all you need is an account and routing number.

saucyname t1_iu5t8j3 wrote on October 28, 2022 at 7:37 PM

One of my banks just slaps their routing number on their homepage, not even in a sign in area.

Degothia t1_iu5thsq wrote on October 28, 2022 at 7:39 PM

That's because it's not a unique identifier. Banks typically assign routing numbers by state / region the account was opened in. So for example, everyone who opens a checking account with citizens in RI has the same routing number.

saucyname t1_iu5uioo wrote on October 28, 2022 at 7:45 PM

I was just pointing out the ease of acquiring them to try and set up a debit from an account once an account number is validated.