Security features for cash management accounts

I think there is a lot of opportunity to improve security with respect to the cash management accounts. Specifically in the following 3 areas:

  1. Allow locking of debit cards
  2. Add a signature card so that checks that are written can be authenticated.
  3. Provide an approval process for checks written so that they can be cleared.

Unfortunately, it seems that anyone who has access to the account number and routing number (not that hard to get) can withdraw money from the cash management accounts.

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