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It's actually a good idea to check out that there is no withdraw route set for our accounts :-)
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It's possible to find it in hiveblocks for example.

Who would be able to change this in my account without my keys?
It can't hurt to check it though.
Where can I find this?

Some people had actually their keys taken by broken apps and the withdraw routes were changed without them realizing. You can find it in https://hiveblocks.com/ and I had to ctr. + F search for routes :-)