I will answer the checking part of the question only. I would say it depends on how much is in the account as to what happens. when i filed bk7 2 plus years ago my attorney advised me to close any exsisting bank accounts and open new ones in other banks because a creditor i was burning could seize an account. I closed td bank because i had a nice balance there and also a dd. I totally forgot i had a checking at chase that was decades old but with peanuts in it. i burned chase for over 20k.
Chase never touched that checking, i still use it today because it has no fees.
The td bank account i did close and move to another bank.
So i guess a bank may grab your accounts when you burn them but only if its worth it for them.
