One fine day you may wake up and discover all your bill pays are not just going through, the schedule transfers to your other investment accounts failing, or your systematic investment plans are failing. 

You call up your bank and find an answer, a reason code ’16’ which is nothing but ‘account frozen’ status. There is no immediate way to recover from this set back, there is no way to not become delinquent on your credit card bills and utility bills. It is deadly situation, handle with care and take prompt action, without wasting time.