Hi DP
I have moved your post, because you asked the question in someone else's post. We ask people not to do that, because it makes it difficult for us to know who we are replying to, and it can get very confusing. If you have any questions, just start a new post.
I would advise you to speak to a specialist welfare advisor so they can look at your entire situation and tell you what benefits you may be able to claim for. Use the link below to check if one is available in your area.
advicelocal.uk/ We have a guide on the process of claiming UC/ESA and you can read about it here
benefitsandwork.co.uk/guides-for-claimants/esa . The first guide is the one you want to look at, when you are ready.
They don't check people's bank accounts, but occasionally, people are asked to provide bank statements (generally for three months)
BIS