Bank employees have a basic rule regarding deposit accounts: When giving information or performing transactions, ensure that you are taking instructions from someone who is authorized to access the account. An authorized user is an account holder, a joint owner, a person who has a power of attorney, etc.The routing number is irrelevant and unnecessary. The account number is good to have handy, but the fact you have it wonu2019t be enough to convince a bank employee perform a withdrawal for you. You will need to demonstrate that you are authorized to access the account.Different financial institutions have many different methods to do this verification. These may include showing identification (passport, driveru2019s license, etc.), providing passwords, answering u201cout-of-walletu201d questions, signatures, etc.The more money involved in the transaction, the more thorough the verification process will be.