If someone works for you, you owe him money. If someone sells you an item, you owe him money. An item is not sold to until you are Koneh it, for there is nothing solid about the fact that it transferred for him to you. This can not apply to work that was actually done.
The bank owes you money, since you have them your money. There is nothing in particular that is Meshubad to you, just a debt. It is possible to let the Loveh pay someone else. The only thing is that in that case you are probably able to back out. Perhaps you can apply the famous Ketzos that Hoda’a is also a Kinyan. In that case, when you tell the bank to transfer money you are being Modeh that you owe money.