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Yes, and if you don't bank with one of the big banks (BofA, Wells Fargo etc) you'll be fine (those bigger banks deal with so many screwups that they'll just debit a different one of your accounts assuming it was a mistake). Or use two different banks if you can move money back and forth easily and for free.

If you have a company it's really important to create a special account solely for auto debits and move money in there manually. This saved my bacon when ADP mis-debited a couple of hundred $K from a payroll run once.

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