Closed bank account...now what?

My bank was so friendly and understanding. They put a hard hold on my account, and opened a new one. The established a one way ACH deposit only from old account to new account. They reassured me repeatedly that the old account could NOT be reopened, and that they would have no access to the new account unless I gave new authorization to do so. So...now what?

• Do I wait for them to call?
  
• What about the ones that are legal in Texas (they are CSOs)? Do I need to call them before they call me and try to set up a payment plan?
  
• Am I allowed to tell them that I no longer have a checking account (that they can withdraw from)? Can I demand that I send MO only?
  

For the rest that are NOT licensed in the State of Texas, do I send them a Cease/Desist letter now that I put hold on account? Or do I wait? Is it too much to hope that they will send refund for overpayment? I think I am due over $2K in over payment!!

I just need to know what do I do now. For the CSOs and for the illegal lenders. I know I have already read the section on both of these, but it would help if someone would spell it out for me reassuringly. LOL.