[hinkley]

My bank knows where I live and if I start cashing fake checks they know where to send the FBI.

Even in the old paper days banks where a little hesitant to let me come into your bank with a check from you and cash it without me also being a customer of that same bank. In theory you could do it, but sometimes if you tried you got the runaround.

[bombcar]

You can still wreak havoc with the account and routing numbers if you want to - it gets reversed when noticed which is why people still do it - sometimes it’s not noticed.