If your business is like mine, a lot of folks to whom I owe money are insisting on the ability to automatically remove the money I owe them each month from our checking account (via an electronic process known as ACH, which is slower but much cheaper and easier to use than the old wire transfer method). At first, any loan I took out insisted that the lender be able to automatically withdraw my payments. Then my workers compensation company. Then certain vendor accounts. And of course my merchant processing companies are constantly shoving money in and out of my bank accounts.
In retrospect, I was far too sanguine about this situation. What finally caused me to abandon my sense of security was a libel lawsuit filed by one of my vendors over a bad review I wrote of their product [I won't mention the name here but I am sure anyone can figure it out with a simple search]. Anyway, I realized that this company, who was suing me for untold bazillions of dollars, actually had the right to freely jack whatever they wanted out of my checking account. What is worse, this same company is being sued by many companies for trying to take an arbitrarily high final payment out of their accounts at contract termination. Eeek! And this does not even include the possibility of outright fraud. I have ACH tools where if I have your bank's name and your account number, I could pull out money from your account without your ever knowing about it until you see it missing. I presume criminals could do the same thing.
Something had to be done, and it turned out that my bank, Bank of America, has something called ACH positive pay wherein nothing gets ACH'ed out of my accounts without my first approving the payments. I check a screen each morning and in 60 seconds can do the approvals for the day. They also have a very easy to use rules system where one can set up rules such that payments to certain vendors or for certain amounts don't need further daily approvals.
I presume most major banks have a similar product. It cost me some money but I feel way safer and encourage you to look into it if you are in the same situation.