There is no other way, IMHO.
I've just been on the receiving end of having my funds applied as a "credit" incorrectly as overpayments, reimbursements, etc., even by a company thee funds weren't sent to with the check not even being written to them
(post office mis-delivered and they took the trouble to search their account database to see
IF I had an account with them and keep my money but not the trouble to drop the envelope back into the mail
), and I discovered by accident that my money was 'confiscated' by wrong parties.
I could go on and on, such a litany of similar events have occurred, but the long and short of it is that I no longer trust such things, but I had
no idea until they happened to me...repeatedly, by different groups...that it was even possible. I just wanted to warn that things do go wrong sometimes. Plus, I live in an area where people do things like pay for, say furniture, and go back the next day with a truck to pick the furniture up only to find the business gone!
I even had a bank take money from my checking account, and bounce charges for a check that I didn't write, that wasn't drafted from my bank or cashed/deposited to my bank...never mind my account...and wasn't drawn against an account number or name even remotely similar to mine (Cat...does not even look like Cyn).
Then, there's the issue or account reconcilliation, and Will notations/probate, etc. as applicable, and beneficiary assignments, and Power of Attorney, and...
I mean absolutely no offense to anyone. After all, none of us know what we do not know!
Take care!