Can a creditor freeze your online bank account if you owe money?

If your money is held at an online-only bank, are the rules different when debt collectors come calling? GaryAlvis/Getty Images For millions of Americans, online-only banks have become a practical alternative to traditional financial institutions. By offering big perks, like higher-than-average savings rates, lower fees and easy account management, these digital-first banks have attracted customers who may never step foot inside another bank branch. …