This is why I use separate accounts for different things. Bill pay is a separate account. Direct deposit is a separate account. I have an account I _only_ use for writing paper checks (rare these days).

It's a pain in the ass, but a long time ago an employer errantly clawed back a full month of payroll direct deposits from me instead of another employee. The bank couldn't/wouldn't help, and the company's payroll was handled by a third party who was not helpful at all.