Unauthorized Access of client"s Banking account

I pay most everything ach as well but not on recurring for anything that s not set price all I need is some company to misread something and chew through my checking account. I have overdraft protection but still want the control. It' so easy once a month to log in and authorize payment...though insurance is setup recurring.
The only one I have that varies each month is the electric bill, and if you have it on the budget plan, the amount's the same each month.
 
My insurance and a few other things are ACH. A lot I just go into their website and authorize a credit card charge each month for the total bill. I guess I should stop being lazy and be lazier by setting it up to auto bill my card.
 
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