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So, this is a special situation, as it was a scheduled payment under a contract with NYC, relating to a migrant housing program. The payment was made just before everything got DOGEd, and when DOGE found out, it lost its collective shit and forced the payment to be reversed.
However, all you really need to make a debit out of a bank account is a routing number, account number, and proper authorization.
DOGE can apparently manufacture authorization out of thin air. And I bet it has everyone's routing info and account information from everyone who has ever filed a return with the IRS and used Direct Deposit (or paid by check in the mail).
You're glossing over the most important word:
It was a valid payment, not made in error. They decided after the fact that they didn't like the valid payment, and reversed it. This likely involved fraud, because that's not a valid reason to reverse a payment.
Not a valid reason according to who? The monkeys are running the circus now. There are no rules.
Well, DOGE would totally say "No U" and assert that the program was fraudulent in the first place, because they don't agree with it politically.
So in summary start shoving money into the air duct like my great-great-grandfather used to do got it.
This. It gives me such anxiety.