when in foreclosure can the bank take funds from your banking account?

Answer 1

A bank can't take your money...no. Only a court can do that. A court has to authorize it. If your house is being foreclosed on, they'll simply take the house. I sxeriously doubt that anyone whose house is in foreclosure would have that kind of money in a bank account so there would be no point in seizing a bank account.

Answer 2

They cannot access your accounts until such time as they obtain a deficiency judgment post foreclosure.