I’m finally in the process of getting my bank accounts straightened out after my divorce, which involves changing everything I pay online and through automatic draft and all that.
If you haven’t ever set up online payments, it’s common in my experience for the account to be verified by the other party via two small deposits made to your account. You verify the amounts of the deposits, and they know they’ve got you set up right.
Paypal gave me $0.22 this way; Chase gave me $0.80 this way.
But Chase drafted their $0.80 back.
I guess times are tougher for banks than I thought.