but they can't walk into a bank and withdraw money.
Depends on how you define withdraw. If you define it as filling out a withdrawal slip and giving to a teller, then probably correct. If you however mean in a generic sense taking the money from your account, then no, it’s certainly possible and not very hard, and all you need is account number.
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Or withdraw all your money, if your account is drawn on a US (and many other countries) bank.
Someone can order checks in your name with your account and routing number plus address, but they can't walk into a bank and withdraw money.
Depends on how you define withdraw. If you define it as filling out a withdrawal slip and giving to a teller, then probably correct. If you however mean in a generic sense taking the money from your account, then no, it’s certainly possible and not very hard, and all you need is account number.