@itonewbie   

You mean, you don't check back with them every month to make sure they still have the bank account, and remind them that you have set it up for an automatic withdrawal?  I'm sure some will consider that negligent.  

Not to mention, I'm so old I can remember all the failed banks that were taken over by FDIC or FSLIC during the 2008 economic crisis. Most of their accounts were assigned to healthier banks, with new numbers.  You know that banks are going to fail, when there is bipartisan support in Congress for pumping cash into the economy to save some of them.