[AndyYSCISOdept]

with the amount of fake statements coming in lately I think its nuts to fund an ACH deal without doing a login to verify the statements are real

I come across 2 to 3 submissions a day with altered statements, so the log in is protecting us (the funder) in that way. But, the way that it protects the merchant is by allowing us to check their account to make sure our pulls aren't going to bounce when the merchant hasn't made a deposit in a few days. By doing this we save the merchant quite a few dollars over the lifetime of a deal.