When the IRS levies your bank account in Pinellas County, the bank freezes your funds for 21 days. Florida's exemption statutes do not stop a federal tax levy, because only the exemptions listed in Internal Revenue Code section 6334 apply to the IRS. What you can do in that window is ask the IRS to release the levy for economic hardship or because you have entered a payment arrangement. If the account holds Social Security deposits, read why the bank's two-month protection rule does not stop the IRS.
If you can set up a resolution or demonstrate hardship within those 21 days, the levy can be released and your money stays.
If the IRS has levied your bank account, this is a same-day emergency. Call me immediately.
General information, not legal advice. Reading this page does not create an attorney-client relationship. Tax rules and dollar thresholds change; confirm the current figures for your tax year before acting.