They can't get to your bank account without a court order and it is very hard to get one for debts lower than $25,000. So nobody tries.
If you owe the IRS or state taxes they can and will empty your bank account. In that case it is best to keep your cash in paxum, payoneer, etc.
Nobody can find your account. They don't send out notices to 6000 institutions hoping to find the one you are using. However, almost all checking accounts have some kind of perks and all banks try to get you to opening a savings acoount. Doing so means you now have income the bank with report to the state and IRS. That is how they find you.
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