[runako]

re: ACH protections, it would be really useful to have the bank manage for me an account # per ACH contact. Then I could set limits on each contact (e.g. this contact is only allowed to deposit, this contact can only withdraw up to $X per week, etc.) I could also enable/disable accounts on a per-contact basis (e.g. this contact is now barred from receiving any money).

Most importantly, if party A leaks my ACH info, this shouldn't help any other party.