Can the bank take my checks without my permission because I owe money to them, and not leave me anything for my bills?
Yes. It is called the right to setoff. The bank owes you money that is in your depositaccount. You owe the bank money, likely in the form of a past due loan. The bank takes what you owe them from the deposit account.
The allowance to do this is contractually included in both your deposit agreement and your loan contract. They have no need to guesstimate what money you may need to live on, and they are one of your bills. The easiest way to avoid this problem when you are past due is to call your lender and make payment arrangements in advance.
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Yes. It is called the right to setoff. The bank owes you money that is in your 