Okay, if that situation is either relevant or analogous, I'm missing it.
Wasn't it your intent to imply that there's a risk with direct deposit that isn't present with the old-fashioned paper check?
My point is two-fold. There is a risk with direct deposit. That risk is, you give your employer access to your account for 5 days after payday. I would like access to his account 5 days prior to payday then. It is the same thing. I can't take his money without his consent and he shouldn't be able to take mine. I understand about correcting errors, but in reality, that's just a cover. He can take the money if he WANTS to take the money. Period! The rules are worthless if the employer isn't punished for breaking them. I would be punished if I accessed his account, even if I had limited, authorized access to his account, if my access was in violation of the payroll terms.