I'd be notifying the authorities and/or taking my 'own' action.
Uhh.. I'd be calling the cops period. It's called stalking, theft and tampering with banking procedures. The bank should also be notified and they should be investigating on their end. Regardless of the amount, this does amount to a crime that time should be done on. The bank would likely detect different IP addresses to access the bank and that will help deal with them.

The issue with reformatting in this case however is that evidence will possibly be destroyed and may leave them without a trail to follow (granted they may have resources to recover this). Ideally, and it's not a cheap option, get another hard drive and format that with a new install. If at all possible, keep the other drive for evidence for the police and don't alter anything on it. 1s and 0s can be difficult in court but it might help lead to more concrete evidence down the road.

The whole thing about this is some of the people that are messing with me are what would you call them? "Dirty" they are well known the states public eye. It's more trouble then it's worth. Or should I say that if I say a word I might not be here tomorrow.
So you'll let them get away with it again and again against you or others?

And you'll just reformat without knowing how they installed the trojan (if that's what they used)?

You might want to see about investigating this no matter how scary it is. They are relying on your fear of the unknown and who they claim they are (how do you know?) In the worst case (and perhaps a tad paranoid), look physically around the machine to see if any unusual devices are attached and check to see if any indications that someone has been in.

And if these people are as "dirty" as you claim, then you need to ask why they would be targetting you. What have you done to get their attention?