No. If loans overdue fails to pay it back, the bank can apply to the court for filing a case for recovery, but it will not directly freeze the WeChat account. Usually, the bank will take other ways to ask the borrower to repay, such as through a lawyer's letter or telephone collection. If the borrower refuses to repay or is unable to repay, the bank can take further legal measures, such as applying for enforcement and sealing up property. In short, the bank will not directly freeze the borrower's WeChat account if loans overdue has not paid it back.
Extended data:
According to the laws of China, banks, as creditors, can apply to the court for filing a case for recovery if overdue loans cannot be repaid. The court will hear the case according to law and judge the borrower to repay the loan according to relevant laws and regulations. However, there is no clear stipulation in China that banks can directly freeze borrowers' WeChat accounts. Therefore, the bank cannot directly freeze the borrower's WeChat account when loans overdue fails to pay it back.