Checking account fraud is increasing.  Your bank needs to be aware if this is happening in your market and has to be prepared to answer questions.  These "talk-offs" provide consistent and accurate answers from the bank when a customer asks a question such as "what do you mean, just anyone can electronically take money out of my account and you don't have to verify that I authorized it?"
 
Last May a lawsuit was filed by the FTC.  There was an attempt to withdraw $12MM from 90,000 different bank accounts.  Pharmacycards.com appears to have gotten the ability to create ACH transactions and had a somewhat dated list of account numbers.  They debited $139 at a time from bank accounts.  The list wasn't current and an estimated 70% of the transactions bounced because the data was now incorrect.  But $3.5MM in transactions were valid enough to pay. Consumers and their banks were the losers in this scam. 
 
There is consideration now to make the merchant's bank responsible for unauthorized drafts, by the FRB.  It is hoped that this would take "KYC" to a higher level and reduce these fraudulent transactions.  In the meantime, someone has to explain to the customer why this happened and when they'll get their money back.  This is a large scam, but not unique to pharmacycards.com.  Others are doing this too. Remember, customers trust their bank.  Be prepared to discuss these questions with the right answers. Education is also prevention. Make your customers aware of the threats and teach them to protect their private banking information.  It isn't a 100% guarantee of safety, but is may be better than we are seeing now.