Just last week, I got phone calls from three different people who kept at least one deposit account (Checking, Savings, Money Market, CD, etc.) at the very same bank that issued them debt (via Cr Card, Mortgage, Business Line of Credit (BLOC), etc.).

Two of the callers informed me that their bank dipped into their checking accounts (with no warning) and withdrew sufficient funds to cover past due payments on a mortgage (~ $20k) and a credit card (~ $1,100)!

The third caller informed me that, to his knowledge, he was not even delinquent on his business line of credit (BLOC) when, out of the blue, his bank sent him a vague letter that led me to believe (upon having it read to me via phone) that something similar was about to occur with his checking account funds in an effort to satisfy all or a portion of his BLOC.

People of all socio-economic levels are finding themselves in a cash crunch. As a result, even some prime borrowers are trying to stare down delinquency and default as they try to service their monthly debt obligations in their entirety. 

In light of this, you may want to consider moving your deposit accounts to a financial insitution(s) that is/are separate from the one(s) you borrow from.

Now might also be a good time to read the fine print on all of your deposit and loan agreements, so you know what you could be dealing with if you do fall behind in payments.