Whats to stop a bank offering an account that you only put enough money in so they cannot draw more than you have? Kind of like Capital One's virtual card numbers which allow you to have a throwaway number per account.
This exists for incoming ACH transfers, and it is called a UPIC account. It is used so that a company can give out their account info to customers, but the bank will deny any third-party withdrawals. The money is directly transferred into the company's "real" bank account.
Tangent on this, The virtual cards sound great on paper but in practice if you get a compromised virtual card number you still have to cancel your main CC and start over which is stupid IMO. They told me since the virtual card number was tied to the CC you still have to change both which negates the benefits of having the virtual card numbers in the first place.
