There is a glaring hole in the security of the nation’s banking systems. Banks have failed miserably in their responsibility to secure our accounts. Criminals can basically draw money out of our accounts at will, as long as they present a believable draft. It’s sometimes called an electronic debit or demand draft. These came about originally through shows like QVC, where people take information from you over the phone and deduct the money from your account. And according to MSNBC, these criminals are now creating their own checks to draft your account. In fact, there are Internet sites that help people create these checks, and, even worse, charities are the new target! Criminals give a small donation to a charity. At that point, the charity deposits it in its account. When the check comes back it has the bank’s transit numbers on the check. The criminal then presents a draft to the bank with that number and takes the money out of the charity’s account. Can you believe that? There is no excuse for the lack of interest on the part of the banks. No, the government didn’t create this crime. But the inaction on their part is unacceptable. Just make sure you are checking your account at least every week to make sure there are no unauthorized debits.