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Do you mean their free standing bank account like a Chase or Bank of America OR the personal trust account that NH has set up for residents a the NH?

If it's a real bank account, then much of this will be very dependent on how the resident came into the NH to pay for their stay. The NH will do things differently depending on if they are "Medicaid Pending", or private pay or on a waiver or LTC insurance policy. I'd review their admissions contract to see what's what.

If its their resident trust account, the NH can debit it for late charges or other fees not covered by Medicaid or LTC insurance. A good NH should provide a trust statement to you every 90 days. I got my mom's the week before her fixed & required by Medicaid care plan meeting.
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Is the patient on Medicaid or getting close to it? Or as Magnum said perhaps patient signed up for automatic withdrawal for monthly fees. Is the patient competent? Does the patient have POA documents in place? Could the POA have setup the withdrawal?
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I believe the patient would have to give the facility access to their account for automatic draft.
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