Can I just tack on a few thoughts here?
1) I owned a company a few years back that accepted credit cards. We went through one of those 3rd party providers, not a bank directly. There were probably 100 or so different "ways" to accept a card. i.e., card-present, card-not-present, PIN entered, no-pin, type of card, ca rd swiped, or not-swiped, etc... There were different fee rates for each t ype and different liabilities assumed (by the merchant) for each as well.
As you would expect, the lower, more favorable rates were associated with w ell known cards (i.e., VISA, MasterCard), presented in-person and swiped wi th a PIN. A merchant could expect to pay a higher percentage for an Intern et-only transaction, no PIN, and maybe no CCV # and a weak address match to boot, etc.. Maybe even move if products/services were rendered outside ce rtain boundaries (like the United States), or were non-typical sales (in do llar amounts or otherwise).
This doesn't prove k...attt's point either way, except to say that the rate paid by the merchant generally relates to the risk the CC companies are as suming. Too many problems or chargebacks and the CC drops the merchant - s o it is in the best long term interest of all involved to be on the up-and- up.
As to banks, our Wells Fargo accounts are protected by Username, password A ND RSA dongle. Pretty hard to fool that combination. For checks, we tell the bank what we cut in advance, and if someone presents a non-matching che ck for payment, it is denied. I think BofA does both of these as well, at least for business accounts. For an ATM transaction, I image banks keep a copy of the camera image - at least for a few weeks in case a dispute arise s. (?)
If that isn't enough - then option A: is to consider a safety deposit box, or maybe Option B: bury your money in a peat bog like butter. BTW: Sounds gross, but worth Googling if you don't know what bog butter is.