The password changed, payments are due, and you cannot see where the money is going.

Short Answer

Document the lockout and confirm what authority you actually had. Save bank notices, screenshots, signer cards, resolutions, account agreements, and messages about the change. Do not impersonate another user, create unauthorized transfers, or drain a separate account in retaliation. Identify payroll, taxes, rent, insurance, and debt payments that must continue. The bank may follow its own account documents and corporate resolutions rather than the owners' informal understanding. A legal response may involve the governing agreement, management authority, records rights, temporary controls, or emergency relief if company funds are at risk.

When This Becomes Urgent

• Payroll, taxes, rent, debt, or insurance payments are due now.
• Large transfers, new payees, or signer changes are appearing.
• The lockout is part of a broader effort to remove you or transfer company value.

What Usually Goes Wrong

• Calling the bank with an incomplete or inaccurate claim of authority.
• Using another person's credentials or moving funds without approval.
• Ignoring accounts held by related companies, merchant processors, or payment apps.

Why Miami Experience Matters

Miami businesses often use several banks, property entities, merchant processors, and cross border payment channels. A lockout may affect only one account while money moves elsewhere. Local dispute experience helps map the full cash system and focus on the authority documents the bank and court will actually consider.

What to Have Ready

• Bank account agreements, signer cards, resolutions, and access notices.
• Operating agreement, bylaws, management votes, and ownership records.
• Recent statements, transfers, payee changes, and user access logs.
• A list of critical payments and available backup funds.
• Messages explaining or disputing the access change.

What Typically Happens Next

Counsel confirms management and signer authority, documents the risk, and determines whether a written demand, bank communication, temporary operating agreement, records claim, or court request is appropriate. The immediate objective is to preserve funds and keep legitimate obligations paid without creating unauthorized transactions of your own.

Related Questions and Reading

• Freezing a Partner's Access to Assets
• Suing a Partner After a Lockout
• Hidden Money and Altered Company Books
• Partnership Disputes
• Browse Ask Aaron

Disclaimer

This is general information, not legal advice. Viewing this page or contacting the firm does not create an attorney client relationship. Deadlines can be short. If your matter is time sensitive, call the office at 305-672-7495.