Yes, a bank can seize funds from your account or hold checks if you have outstanding debts owed to them, such as loans or overdrafts. This is often done through a process called setoff, where the bank applies your deposits to cover what you owe. However, this typically applies only to accounts held at that bank. If you're cashing a check at their bank, they may still have the right to withhold or apply those funds to your debt.
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