Here is the classic example of What Not To Do.
Credit Union then immediately moves all Client X’s money into the savings account, closes the checking and freezes Client X’s Savings account. Thus leaving Client X with no money for food, gas, rent etc.
Can a credit union do this? The answer is YES!
RCW 31.12.416 gives credit union unique lien rights that provides in part as follows: “A credit union will have a lien on all shares and deposits, including, but not limited to, dividends, interest, and any other earnings and accumulations thereon, of any share account holder or depositor, to the extent of any obligation owed to the credit union by the share account holder or depositor.”
So if you are having financial difficulties do not let the credit union get a running start on making your bad day worse.