No, all one needs to do is have access to the routing / account number and one can start withdrawing funds, paying bills, etc. There is nothing in place to prevent that and nothing else is needed.
And the police will do nothing about it. Even if the fraudster uses your checking account to pay for their power bill. Good luck getting the police in a big city to head over to the house and investigate.
That might be true in isolated cases with dysfunctional police departments but there are a lot of people in jail for charges like check kiting who’d disagree with you.
