True, yes, it will be sorted out if it is unauthorized, but if it is like in 1000 or around, most of the major banks will simply overdraft of active, and leave the customer to notice, find & call bank to sort it out. In real case of etsy, where etsy was pushing/paying money to sellers through direct deposit (& employers too), they mistakenly emptied accounts, and most of the accounts went into over draft, I believe a couple years ago.
Most of the employers', companies' direct deposit forms/agreements say they can pull money back they paid by mistake.
In contrast in India, now banks ask cheque holders to login into net banking and submit the cheque info if they write a cheque over certain big amount. One leaf of cheque allows only one withdrawal, when presented in original, and if signature matches exactly, and if account has sufficient money; whereas in US, routinely companies convert paper cheque to electronic payments.
