Back in '96 or '97 a guy I used to work for had a bank account drained by a thief who just had his account#. The thief took the account# and had checks made in his own name. Cashed about $900 worth of checks before my boss found out. He notified the bank but they still took 30 days to replace his lost cash. At least it wasn't difficult to find the thief. Hopefully, banks are more dilligent about cashing checks these days.

-Bob