Yes, I regularly use ACH to send and withdraw funds from my online accounts. That's pretty much how I do all my banking - I almost never set foot in a physical branch unless I need something big like buying a car. Of course, before opening online bank account, they ask me SSN and all kinds of details, but good stolen identity package (e.g. from the same bank that I gave all those kinds of details, or from one of the credit bureaus) would cover that.
That's why you have to freeze your credit, btw. They won't open an account on SSN with frozen credit - you'd have to unfreeze first, and that's usually harder to do for a crook.
That's why you have to freeze your credit, btw. They won't open an account on SSN with frozen credit - you'd have to unfreeze first, and that's usually harder to do for a crook.