Can a federal credit union with whom I have accounts and a loan, put a freeze on my checking account without any notice or legal transaction in the State of New York?
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You really don't provide enough information to give you a thorough answer. The credit union may be able to take funds from your share accounts to satisfy delinquent payments on your loan. It can also place a hold on your share account if it learns that a check you deposited there is being returned unpaid. If the credit union freezes or holds funds in your account, you should be able to get a complete explanation from them.
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