I agree, but these seem like operational concerns that you'd anticipate for each individual account in today's world of broken payment networks. It might even be nicer to have bank account disabled with a few hundred in it, than temporarily lose a credit card with a high limit that you funnel larger payments through for the rewards. You can't prevent this, so my comment was focused on how much you could actually lose after the dust settled.

Good point about a check bouncing though. I would think your bank should waive any charges (after all, you weren't defrauded nor did you write a bad check), but the recipient might complain about their bank's fee (for essentially a rejected ACH transaction, but I digress). Although speaking of checks, readily handing out a printed withdrawal key seems like a poor idea if your goal is avoiding surprises!