On your note [1] - could you explain more about using a 3rd party? I currently use auto-withdrawals, but it sounds like I should switch before I get in a bad situation like you mentioned.
As long as your landlord doesn't have your literal bank numbers, you are probably ok. If anyone has your bank numbers, they can initiate ACH withdrawals from your account, which is something I didn't know. There are protections on ACH transfers, which is why you can dispute things, but it also means a lot of your money could be in limbo for a long period of time, which is scary.
As for 3rd parties, most landlords I've had since use services like ClickPay and AppFolio (there are probably dozens, but those are two I've had the option of using with past landlords). They have automatic payment options, but they won't charge payments without your approval.
As for 3rd parties, most landlords I've had since use services like ClickPay and AppFolio (there are probably dozens, but those are two I've had the option of using with past landlords). They have automatic payment options, but they won't charge payments without your approval.