What to Do If Your Bank Account Is Frozen
A frozen account can be alarming, especially if it affects funds you need immediately. Here's what "frozen" actually means and what to do first.
What "Frozen" Means in This Context
During the hold, you generally can't access the frozen funds — even amounts above what's actually owed — until the matter is resolved one way or another.
How Long Accounts Typically Stay Frozen
This varies significantly by state and levy type. IRS levies carry a specific, sourceable holding period — see IRS Bank Levies for that figure. Judgment-based levy holding periods vary by state.
Immediate Steps
Identify why — creditor judgment levy vs. IRS levy vs. another agency
Contact your bank directly for details on the specific levy and holding period
Check whether any frozen funds may be exempt
Consult an attorney promptly given the time-sensitivity