There is a newer version of the Maryland Code
Maryland Commercial Law Section 15-702
§ 15-702.
  For the purposes of this article, a bank or financial institution may not offset any property in its possession or money from a customer's savings or checking account for the settlement of a delinquent consumer debt unless:
    (1)   The offset is authorized in writing by the customer; or
    (2)   A court order is obtained to permit the offset.
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