Electronic transactions have to go into an account somewhere.
I don’t know the business, but I imagine the threshhold for getting into the network means they are all serious accredited banks. First, they have standards for which customers they allow to do automatic transfers; second, the moment they suspect problems, they can turn off the tap and call the authorities. Finally, if they allow funny transactions, as I said above the bank at the other end will just reverse the transactions - meaning the bank with the crooked customer has a real financial incentive to stop this activity ASAP.
I go on line almost every morning and reconcile it to the penny. On average, four times a week. On rare occasions, only three.
If you wouldn’t notice $75 a month, would you mind giving some to me?