Before taking this action, I suggest you consult with bank counsel. Your deposit contract including setoff rights may die with the account owner and the funds in the checking account now belong to the estate. Depending on state probate laws you will likely have to file a claim against the estate the same as all of the other creditors.
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Sola Gratia, Sola Fides, Sola Scriptura, Solus Christus, Soli Deo Gloria!
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