Can the IRS Take My Bank Account?
Yes, but you get a 21-day window. Here is how to use it.
When the IRS levies your bank account, the bank freezes the funds that were in the account at the moment of the levy. New deposits after the levy aren't affected (unless the IRS sends another levy). The bank holds the frozen funds for 21 days, then sends them to the IRS.
That 21-day window is your opportunity. If you can set up a payment plan, demonstrate hardship, or identify exempt funds (Social Security, disability, certain wages), the levy can be released before the money transfers.
If the IRS has levied your bank account, this is a same-day emergency. Call immediately.