Having your bank account number and routing number exposed to an unauthorized person creates a significant security risk for fraudulent electronic debits and unauthorized transactions. Armed with these two numbers, malicious actors can manufacture fake checks, initiate fraudulent Automated Clearing House (ACH) transfers, or pay bills from your account without needing your physical signature or debit card. To protect yourself, you should monitor your bank statements daily, enable real-time account alert notifications, and report any suspicious activity to your bank immediately. Under federal banking regulations like Regulation E, prompt reporting of unauthorized electronic fund transfers limits your financial liability and forces the bank to investigate and restore stolen funds.