No, you’re making it too complicated. Ally keeps separate profiles on each individual even though we are married couple with joint account. We had moved to a new house. I had updated my profile with new address, but she had not updated hers. Ally sent her card to old address, but they do not forward so it was returned. That is all.
My point is that we had no knowledge that our account was ever frozen or that checks had been presented and returned. There was always sufficient funds (by large factor) so there were no bounced check fees. No notice whatsoever.