My take on typo checking is that attributes should be accessed by variables (or constants) rather than by strings. Coincidentally, that makes indexing an arrayref just as convenient as indexing a hashref.

$self->{attribute} becomes $self->[ATTRIBUTE] (where ATTRIBUTE is an integer constant). Those constants should not be visible outside of the package published or exported, because they're an implementation detail.

Admittedly, the initialization code becomes a bit less beautiful, but it's still perfectly clear:

sub new {
    my ($class) = @_;
    my @obj;
    @obj[ACCOUNT, NAME, BALANCE] = (undef, undef, 0);
    return bless( \@obj, $class);
}
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Variations on this that avoid declaring an array would probably be uglier.