Legal analysis: the father owes money to the bank, and the bank has no right to freeze the children's funds, because the father and the children are different legal subjects. According to the relevant laws and regulations, debt is a specific right and obligation relationship between the parties according to the contract or the law. Creditors are creditors and debtors are debtors. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 118 A civil subject enjoys creditor's rights according to law. Creditor's right is the right of obligee to request a specific debtor to perform or not to perform an act based on contract, tort, negotiorum gestio, unjust enrichment and other provisions of the law.

Article 120 Where the civil rights and interests are infringed, the infringed has the right to request the infringer to bear the tort liability.