I need something like this, but this dont sound right, owner just need to go in a bank and say: "hello i lost my credid card can you please cancel it and give me a new one so i can withdraw ALL money from ATM".
And price is off.
No that wont happen, and can also send to other bank account if think something is wrong with the card, also with internet banking can see
if card is active.
Most of the people who use an account from other person only use it for quick sending and receiving funds not for a savings account.
Like some i know they use the account for gambling, so it just a few minutes they have money on it