if they suspect fraud, or theft, or embezzelment. government authorities and the IRS have the power to do this.
Actually bank accounts can be frozen in a matter of minutes. An account can get frozen if the bank suspects fraudulent or money laundering activities in it or if there is a legal request from law enforcement authorities to freeze a particular account. Either ways the account would get frozen within minutes.
Having an individual retirement account is a good idea for a few reasons as you can put money into it, and not worry about spending it on another purchase. Having a second account also prevents you from being locked out of your money by losing your card, or other reasons an account might get frozen.
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