Will my bank accounts be affected?

Some banks will freeze the money in your accounts when you file a Chapter 7 bankruptcy.  Wachovia and Wells Fargo do this as well as some Credit Unions.  In addition, if you owe your bank or credit union money (your bank or credit union is an unsecured creditor), close the account and move to a bank where you owe nothing.  Otherwise, at time of filing, your bank could offset or freeze your account.