I checked tibia wiki on houses - https://tibia.fandom.com/wiki/House
Unfortunately, Tibia wiki indicates the funds must be contained within your bank for it to be debited. 'The fee for the rent will be debited automatically from your bank account every 30 days, so have sure you have enough money in the bank when the rent is due.'
You will lose the house if you do not pay the rent within seven days after the rent is due, so you have some time to get the money into the bank.
Also, If you got banished and then cannot login to deposit enough money on your bank account to pay the rent, you can ask for a friend to transfer money to your account. The rent's money will be debited normally from your bank account, whether you are banished or not.
Hope this helps.