I may not have all the details right but this just hit my area. How it works: you receive a check from an insurance or health care company not a huge amount of money, it says refund etc. You deposit it, the bank has stamped all the processing junk on the back including account numbers. Then when it gets back to the sender they use this account information to wipe out the account!!!! I saw one and could not believe that it had all that information on it!!!! They basically convert it to electronic like e check. One bank lady told me they will probably have to start blocking out all but like last 4 numbers. Pretty clever as its like getting your credit card number and pin etc!! Probably same outfit that started the over payment scam!!