When you open a bank account and receive your cards, PIN, online or mobile banking options and so forth, the bank will give you instructions on how to secure each feature or option. It is important for each bank account owner to follow these instructions in order to protect their account. Account owners are also provided with important contact information in the case of stolen information.
There are times when the bank can take money from you without your consent. Examples of this include using an account to pay off debt in a second account. Perhaps you failed to make a credit payment or a loan payment; the bank may use your account to pay off the difference.
In the event that the bank wants to force payments, it must follow the procedure.