The safeguards are Bank rules requiring someone on the cards authorizing someone else. But when you come into the bank proclaiming you are the 1108 president on Tuesday, with illegal trusteeship paperwork from Jimmy "the crook" Hoffa provided by Bill Moore, things can get squirrely.. One bank froze the account, the other made the change then realized the error and changed it back. As for the motive, that's for them to decide what story they will tell. But its a simple fact, the IBT, the ex 1108 employee, and 2 Options pilots knew what they were doing. You cannot just happen to fall into a bank trying to change the account and lock the people that were authorized on the account by accident.
So FO pilots have two Brutus's and one crooked book keeper that only has loyalties to Bill Moore and IBT international in DC, so be careful and demand accountability.
The rocket scientist.