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I think from the many and varied answers on this post we see that all areas/banks/situations are NOT the same. And it isn’t a failing on the part of the caregiver, or where they had their POA prepared … although some POAs could be written better than others … just one more inconsistency in what one might expect to be a standard policy across the country.
After my Dad died Mom automatically put me on her bank account as a signer. Later she had a new Will drawn up and her POAs, assigning me, done by a lawyer. My Financial was immediate, Mom was 80 by then. I live in the same as Mom did. Banked at the same bank. My POA was never questioned. The bank had a copy for their records.
Yep and supposedly Wells Fargo and BOA were the worst. I never needed to show mine at the bank as i was always co-owner of account. But as CWillie posted, many others have complained.
They don't. If the POA documents are done by a lawyer, has the law firm's stamp on them, worded correctly for both medical and financial POA, and it's an official copy, the bank will accept it.
If you're having trouble with the POA documents at the bank it's because they are not done or correctly and are not legally binding.
That has not been my personal experience with 3 different banking institutions.
Neither WF (in FL and MN), BoA (in FL) nor PNC accepted the PoA documents drawn up by a proper elder law attorney. PNC (in FL) would not accept them, even though they were drawn up by a very old and established law firm in the same town. In order to help my 105-yr Aunt cash in her mature EE bonds, they required me to bring her in person even though I told them (and could prove) that she had just been in the ER 4 days prior with CHF and was not feeling well and barely mobile. The manager and clerks knew both of us by sight and name because it was a smaller branch and we'd been in there often over the years. The next morning my poor Aunt had a stroke.
I never had an issue with our bank accepting the POA that I had for my late husband,(or anyone else) and it was probably because all our POA's were done by a lawyer, and not just printed off from online and notarized. I can only imagine that that is the difference, and one more reason to have them done correctly by a lawyer to begin with.
Some banks want their own POA signed as their own legal has provided it and it allows the branches to work with the account holder immediately. It doesn’t take the place of the POA already in possession. the bank poa is just for the bank. Some hospitals want to use their own POA as well. If your name is on the account along with the account holder, you don’t need a POA for the bank as you are automatically a co-owner of the account. All the risk is on the account holder in that case.
What banks require is a GOOD POA. Mine didn't have a single problem with my POA for my brother on all his accounts, whether in Trust (once I got listed as Trustee of Trust and they had no problem with THAT either).
Banks are notoriously careful about accepting paperwork pulled off a computer and signed by any old notary public. Banks want to protect their clients. You could after all be a kid using your parent's illness as a front to wipe out their accounts. We see and hear that a LOT on AC here. They just get their names added to the accounts by their parents and waltz off with the money.
When you get a POA done make sure it is done by an ATTORNEY and that it is well done. I could do anything with mine, including sell a home for my brother. The attorney examining my brother said to him: "Are you absolutely CERTAIN you trust this woman, because with the POA I am writing per your wishes she can steal the gold out of your teeth.
I dealt with two banks. Neither had a single question about my POA. They simply too the original, copied it, and made me signee and manager of this accounts.
In the past there were many posters whose bank would not accept their legally written and activated POA and insisted they would only act if/when the account holder came in and signed forms provided by the bank. Needless to say that can be difficult or impossible when the grantor is physically or cognitively compromised.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
My sister and I live in different towns,, and are required to appear at the bank with my parents (93 and 89) at the same time. What a pain.
But as CWillie posted, many others have complained.
If you're having trouble with the POA documents at the bank it's because they are not done or correctly and are not legally binding.
Neither WF (in FL and MN), BoA (in FL) nor PNC accepted the PoA documents drawn up by a proper elder law attorney. PNC (in FL) would not accept them, even though they were drawn up by a very old and established law firm in the same town. In order to help my 105-yr Aunt cash in her mature EE bonds, they required me to bring her in person even though I told them (and could prove) that she had just been in the ER 4 days prior with CHF and was not feeling well and barely mobile. The manager and clerks knew both of us by sight and name because it was a smaller branch and we'd been in there often over the years. The next morning my poor Aunt had a stroke.
I can only imagine that that is the difference, and one more reason to have them done correctly by a lawyer to begin with.
the bank poa is just for the bank. Some hospitals want to use their own POA as well.
If your name is on the account along with the account holder, you don’t need a POA for the bank as you are automatically a co-owner of the account. All the risk is on the account holder in that case.
Banks are notoriously careful about accepting paperwork pulled off a computer and signed by any old notary public. Banks want to protect their clients. You could after all be a kid using your parent's illness as a front to wipe out their accounts. We see and hear that a LOT on AC here. They just get their names added to the accounts by their parents and waltz off with the money.
When you get a POA done make sure it is done by an ATTORNEY and that it is well done. I could do anything with mine, including sell a home for my brother. The attorney examining my brother said to him: "Are you absolutely CERTAIN you trust this woman, because with the POA I am writing per your wishes she can steal the gold out of your teeth.
I dealt with two banks. Neither had a single question about my POA. They simply too the original, copied it, and made me signee and manager of this accounts.
Please elaborate.