<prompt> Human: This has me very worried...I signed up for my first credit card which was the Discover It card with a 3,800 credit line. I received the card today and began to setup everything online. When I went to account management to setup up my payments it asked for my account and routing number and it was simply accepted. I am one of the original customers when ING first opened their door to ING DIRECT and the way they verify their external accounts was by very small deposits in the external account that you had to tell them how much. This way they made sure that was your account.Is there no verification process with Discover? Does it just accept the information and pull the money out? What if I find a check book on the ground and use their numbers??  <response>: They may check if the name on both accounts is the same and if not, refuse the payment. But even if they dont, this would be the dumbest crime ever. A real name is obviously on a Discover account. If that person took a checkbook and stole money, the bank and police would know exactly who did it. 