Can a credit card company take all of your money out of your account in Minnesota without notifying you?

No, creditors must follow the proper legal procedures according to the laws of the state where the debtor resides. There are two exceptions, one is when arbitration is allowed under UCC laws. Even if a creditor wins an arbitration case they must file for a judgment in the debtor's state in accordance with the existing statutes. The second exception is if the debtor holds a checking or savings account with the same bank that is the issuer of the credit card, the bank generally will have a "set off" clause in the lending agreement. This stipulation allows the bank to withdraw funds from the debtor's account(s) to cover a defaulted agreement without the necessity of court procedure or notification of the account holder(s). Be advised that not all states have laws that allow a "set off" action to be implemented against the debtor.