In my experience, most banks will allow you to keep your accounts open after a bankruptcy is filed, even if you owe them debt at the time of filing. The accounts will likely close if there is a negative balance on the date your case is filed.
On the other hand, most credit unions will close your bank account when you file bankruptcy if you owe them any debt. This is because bankruptcy creates a loss to the credit union, and most credit unions have you sign an agreement they can close your account if they sustain a loss.
If you do not owe your bank or credit union any funds, your account should not close, as there typically is no reason for the bank or credit union to do so.
When you file bankruptcy, your creditors will receive notice that you filed. This includes your banking institution. Even if you do not owe any funds to your banking institution, they likely will still receive notice through their internal notice systems. A majority of financial institutions automatically receive notice after bankruptcy cases are filed.
If you are concerned about your bank accounts, contact an attorney. They can offer the best advice based on your specific situation and where your accounts are held.
If you have questions about bankruptcy and would like to discuss your options in a free consultation, visit www.lifebacklaw.com to speak with an attorney. You will be glad you did!