Fast Loan Fast Loan4UToday SCAM...Company took out funds from checking account with fake check! Never accessed site or purchased services! Internet

I accessed my checking account on line and noticed a check numbered 99227 for $30.00 was cashed.  My series of checks are in the 200's so I noticed it right away.  I looked at it and it was a check that looked like one of mine but it wasn't mine.  It had the same routing number, account number, my name, address and phone number on it.  The only things that were different were it didn't have my name on it.  It just had my husbands and the check number was higher.  It was a typed check the payer said: Check Process and it was not signed.  On the signature line it said: No signature required, this payment has been authorized by your depositor and then my husband's name.  Also under the memo area it said FastLoanFast.com 775-200-1525 and a series of numbers and letter such as an account number.  So I did a little research and fastloanfast.com is not a website anymore.  So I went to the BBB and they have had over 600 complaints in the past month with only 5 resolved.  I also put in a clain (not that it will do any good).  Then on their site it also said they go by the name Loan4Utoday. 

The Loan4Utoday site explains that they are a company that provides a service.  They share your information with loan companies to get you a loan.  There is a $30 service fee for this.  They also state that they get your permission to withdraw this money from your account.  I never signed up with this site.  I never even visited it. 

I'm very concerned about my bank account now.  So tomorrow morning I have to go to the bank and close my account.  

I can't believe this company gets away with accessing peoples checking account.  They are able to withdraw money from your account without your permission.  What is that?  I have no idea where to go from here.  I just want my $30 back.  It's also a little scarey that my name and bank info is so available to everyone.