I had a bank account with PTSB that had a few euro(less than a tenner) and it was not closed when I was bankrupt. There was no overdraft on the account and PTSB weren't owed any money so maybe this had a bearing on it. The OA office told me that PTSB are one of the easier banks for a bankrupt to operate with so perhaps you could open an account prior to being declared bankrupt.