Suppose Party A attempts to withdraw some money from Bank Account X belonging to Party B. Bank Account X is either closed or has insufficient funds, but Party B also owns the well-funded Bank Account Y at the same bank. Does the withdrawal definitely get rejected, or is there some way A can get the money and leave B on the hook for it? In particular, is it possible that the bank could use funds from Account Y to cover the withdrawal without B's consent? Or perhaps that B could simply be left with a negative balance in Account X?
In case it matters, suppose A claims to believe the withdrawal is authorized, but B disagrees. Also suppose all involved parties and banks are in and of the United States.