Creditor Locating Bank Accounts

by Pam
(Twin Cities, MN)

How can a creditor locate your bank accounts? I am using a debit card, but recently discovered that it does have a routing and acct # and is considered a "bank account". I never used this card to pay any of my now charged off delinquent debts and am in the process of filing bankruptcy.

Should I be worried that I will be found out when I go to court if I have more than a couple of hundred dollars on this card, or is the likelihood of anyone discovering this account pretty slim? My bankruptcy case should be filed by July 31st with a court date about 30 days from there.
thanks....