I currently have a bank account -- I live in Missouri -- into which only my social security check (preiously a SS disability check which has been converted by SS to regular due to my age of 67) is deposited. I also have a loan at this bank. My check arrives after the loan payment is due so quite often the payment is late. Last month the bank manager went into my account and paid my loan payment out of SS check and without my authorization and notified me after the fact. She notified me this AM that she intended to do this again this month. Does she have the authority to do this? Can anyone quote me chapter and verse on the rules?

I know that banks are allowed to withdraw funds out of an account you hold with them in order to pay a loan that also hold with the; this happened to my sister more than once. However, because the only funds you have are from Social Security, I don't know if they are exempt from that or not.