In most cases, the judgment is powerful since it allows the company to take your cash from the bank without your authorization. Although the current law allows the credit card companies to access your bank accounts in some situations, they cannot touch your account without the express authorization from you.

Can I block a company from debiting my account?

You have the right to stop a company from taking automatic payments from your account, even if you previously allowed them. For example, you may decide to cancel your membership or service with the company, or you might decide to pay a different way.

Can I block a company from my bank account?

You have the right to stop a company from taking automatic payments from your bank account, even if you previously allowed the payments. For example, you may decide to cancel your membership or service with the company, or you might decide to pay a different way.

How can I stop automatic debits from my bank account?

Call and write the company. Tell the company that you are taking away your permission for the company to take automatic payments out of your bank account. This is called “revoking authorization.” Click here for a sample letter . Call and write your bank or credit union.

Can a company require you to pay a loan by automatic debit?

A company cannot require you to repay a loan by automatic debit from your checking account as a condition for giving you a loan (unless the loan is an overdraft line of credit). Be wary of a company that pressures you to repay by automatic debit.

What happens if someone debits your bank account without your permission?

If you know the person who debited the bank account without your permission, that complicates matters. If you willingly gave the person access to the card and PIN for your bank card or provided the person with your bank account number, you could be held liable for those charges.

Are there any fees associated with automatic debits?

Both the bank and the company might charge you a fee if there is not enough in your account. These fees can add up quickly. Pay close attention to your bank account balance and upcoming automatic payments to make sure there will be enough money in your account when the payment is scheduled.