Can a bank legally withdraw money from my checking account to pay a note that is due, without my consent?
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In a word, yes, and you did agree. Both your loan contract and your deposit agreement contain a right to setoff. That means that if you owe the bank money, and the bank owes you money, the two can setoff one another, so you owe them a payment, and they owe you money on deposit, and they make a withdrawal to pay the loan.
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In a word, yes, and you did agree. Both your 