There is also a way to setup transfers to other people's accounts if you know their account details (the least secure method, because the sender has to know your account and routing number, but from everything I've seen are only able to send money not withdraw)
What is this with US people saying that giving the sender your bank account and routing number is "unsafe"?
In Europe people often post their account number on their websites, its not considered any more "unsafe" then posting your phone number, and on auctions the account number is often posted in the listing description.
The only risks of giving out your account number (in Europe), are:
* if you get sued and lose, but don't pay - the debt collector will be able to find out in which bank you have an account in and order the bank to pay your debt from the account
* someone might spam your account with thousands of 0.01 transfers, LOL
so your account history online will take a long time to load.
Are there other risks in the US with giving out your account number?