No, your bank account is not monitored during or after the DRO year. All checks of your account will be completed during the DRO application process. This includes your income, your debts and what you own. It is important during the process of your DRO application that you are transparent with the advisor. Withholding or hiding information from your DRO advisor could cause further problems with your application later on if you claim debt relief you may not have been entitled to, such as your DRO being stopped, or lead to a Debt Relief Restrictions Order (DRRO).