Can Banks freeze inoperative SB and CD Accounts, return cheques issued and stop access to ATM service?

In this article, I have attempted to highlight a few related aspects like recklessness at Integrated Ombudsman's office.

source https://www.caclubindia.com/articles/can-banks-freeze-inoperative-sb-and-cd-accounts-return-cheques-issued-and-stop-access-to-atm-service-47661.asp