Why does no one seem to understand that IL is receiving Social Security benefits via direct deposit? It's been well publicized that Stim payments are made via direct deposit if SS or IRS has direct deposit info for you. The mystery is why her first two Stim checks came in the mail instead of direct deposit.
BTW: Anyone you've ever given a paper check to has your checking account number and routing number, which means they can make an electronic deposit or withdrawal by using that information if their business is set up to do electronic transfers. That's reality. You're constantly trusting everyone you deal with to not be crooks.