Look,
For me,
It was one of two choices,
a. Auto-deposit.
b. Routinely look my purse and find my payroll check fom 10 days earlier that I had forgotten to deposit. AFTER I'd written and mailed my bills.
It's a no-brainer for folks like me!
Okay. I'm just warning you that you need to check what you signed. Be sure that your employer has NO RIGHT to debit your account for any reason whatsoever. Then you should be safe.