I have an unsecured signature loan from local bank being renewed and the new terms are horribly drastic.?

I can't refi somewhere else and they want to be able to access my checking account to seize money any time they want. I know the obvious (don't agree to sign) but is their case law or statutes that prevent them from "unfairly or unreasonably" changing the terms. Right now I have told them to jump in the lake. Ideas or advice?