Story...Make una ask the wife,the dead husband may have given her the password to his acct in the name of LOVE.She knows what happened to the money.
They applied for an ATM card after his death so his wife could not have known the password.
What you should do instead, is to ask the bank how the ATM application sailed through without the account owner.
Is the bank now saying I can be at home and someone would apply for an ATM card for my account?