Legal banking question need your help??

[Guest guest]

I have a question about being on my aunts checking account. Years

ago, before my aunt got sick, she put me on her checking account when

she was in good health. For the reason I help take care of my

grandparents, and she wanted to make sure if she died, that I would

have some money. Well what I want to know is my uncle is now her

POA, I am her 2nd POA...today he said he was going to see about

getting on that checking acct. I know before when she first got sick

he tried, and they told him no. But now that he is her POA can he

get on that acct? My aunt never put him on it to start with, she put

me on it alone for a reason. Now he wants to try, and get on it also

so he can write checks on her acct. He went to social security

today, because they need someone as POA. Her checks are automatically

put in her acct so I am unsure why they need a POA if only it is

because they are getting back that refund check in May that President

Bush approved...but then my uncle said it could be also for her

checking account since her SS goes into that acct. I need your help

here, and I can't call the bank it's closed so I want to know if

anyone knows out there can he get on that acct even though I am on it

with her, because he is her POA? I just don't think he should be

able to since I am also the acct holder besides my aunt, and I am

alive and well! Any help would be much appreciated!

[Guest guest]

Since its a joint account in your name and hers, I don't see how he can get

on it.

Also, what's with the POA and Social Security? I went down there to do

something for my Mom a few weeks ago and they said they don't honor POA's.

Is he trying to become her representative payee?

Gladys

-- Legal banking question need your help??

I have a question about being on my aunts checking account. Years

ago, before my aunt got sick, she put me on her checking account when

she was in good health. For the reason I help take care of my

grandparents, and she wanted to make sure if she died, that I would

have some money. Well what I want to know is my uncle is now her

POA, I am her 2nd POA...today he said he was going to see about

getting on that checking acct. I know before when she first got sick

he tried, and they told him no. But now that he is her POA can he

get on that acct? My aunt never put him on it to start with, she put

me on it alone for a reason. Now he wants to try, and get on it also

so he can write checks on her acct. He went to social security

today, because they need someone as POA. Her checks are automatically

put in her acct so I am unsure why they need a POA if only it is

because they are getting back that refund check in May that President

Bush approved...but then my uncle said it could be also for her

checking account since her SS goes into that acct. I need your help

here, and I can't call the bank it's closed so I want to know if

anyone knows out there can he get on that acct even though I am on it

with her, because he is her POA? I just don't think he should be

able to since I am also the acct holder besides my aunt, and I am

alive and well! Any help would be much appreciated!

------------------------------------

Welcome to LBDcaregivers.

[Guest guest]

I don't think he could get you off of it, but with a

financial POA, he has charge of her affairs if your

aunt isn't able to take care of them herself, which

obviously she isn't. It could be such a thing that

you would have to have two signatures on checks, etc.,

if he were able to get on. Have you seen a copy of

the POA so you know what it spells out?

June

--- Gladys Stefany wrote:

> Since its a joint account in your name and hers, I

> don't see how he can get

> on it.

>

> Also, what's with the POA and Social Security? I

> went down there to do

> something for my Mom a few weeks ago and they said

> they don't honor POA's.

> Is he trying to become her representative payee?

>

> Gladys

>

> -- Legal banking question need

> your help??

>

> I have a question about being on my aunts checking

> account. Years

> ago, before my aunt got sick, she put me on her

> checking account when

> she was in good health. For the reason I help take

> care of my

> grandparents, and she wanted to make sure if she

> died, that I would

> have some money. Well what I want to know is my

> uncle is now her

> POA, I am her 2nd POA...today he said he was going

> to see about

> getting on that checking acct. I know before when

> she first got sick

> he tried, and they told him no. But now that he is

> her POA can he

> get on that acct? My aunt never put him on it to

> start with, she put

> me on it alone for a reason. Now he wants to try,

> and get on it also

> so he can write checks on her acct. He went to

> social security

> today, because they need someone as POA. Her checks

> are automatically

> put in her acct so I am unsure why they need a POA

> if only it is

> because they are getting back that refund check in

> May that President

> Bush approved...but then my uncle said it could be

> also for her

> checking account since her SS goes into that acct.

> I need your help

> here, and I can't call the bank it's closed so I

> want to know if

> anyone knows out there can he get on that acct even

> though I am on it

> with her, because he is her POA? I just don't think

> he should be

> able to since I am also the acct holder besides my

> aunt, and I am

> alive and well! Any help would be much appreciated!

>

>

> ------------------------------------

>

> Welcome to LBDcaregivers.

>

>

[Guest guest]

Not if its a joint account. It was explained to me when I opened a joint

one for Mom and I a few weeks ago, that doing that meant that the money was

half hers and half mine. Therefore, he couldn't have authority to sign

checks on a joint account even though he has POA because he can't legally

have authority over at least 50% of the money in the account.

Gladys

-- Legal banking question need

> your help??

>

> I have a question about being on my aunts checking

> account. Years

> ago, before my aunt got sick, she put me on her

> checking account when

> she was in good health. For the reason I help take

> care of my

> grandparents, and she wanted to make sure if she

> died, that I would

> have some money. Well what I want to know is my

> uncle is now her

> POA, I am her 2nd POA...today he said he was going

> to see about

> getting on that checking acct. I know before when

> she first got sick

> he tried, and they told him no. But now that he is

> her POA can he

> get on that acct? My aunt never put him on it to

> start with, she put

> me on it alone for a reason. Now he wants to try,

> and get on it also

> so he can write checks on her acct. He went to

> social security

> today, because they need someone as POA. Her checks

> are automatically

> put in her acct so I am unsure why they need a POA

> if only it is

> because they are getting back that refund check in

> May that President

> Bush approved...but then my uncle said it could be

> also for her

> checking account since her SS goes into that acct.

> I need your help

> here, and I can't call the bank it's closed so I

> want to know if

> anyone knows out there can he get on that acct even

> though I am on it

> with her, because he is her POA? I just don't think

> he should be

> able to since I am also the acct holder besides my

> aunt, and I am

> alive and well! Any help would be much appreciated!

>

>

> ------------------------------------

>

> Welcome to LBDcaregivers.

>

>

[Guest guest]

Is it joint with the right of survivorship? In that

case, it would all be yours if something happened to

her.

--- Gladys Stefany wrote:

> Not if its a joint account. It was explained to me

> when I opened a joint

> one for Mom and I a few weeks ago, that doing that

> meant that the money was

> half hers and half mine. Therefore, he couldn't

> have authority to sign

> checks on a joint account even though he has POA

> because he can't legally

> have authority over at least 50% of the money in the

> account.

>

> Gladys

>

> -- Legal banking question

> need

> > your help??

> >

> > I have a question about being on my aunts checking

> > account. Years

> > ago, before my aunt got sick, she put me on her

> > checking account when

> > she was in good health. For the reason I help

> take

> > care of my

> > grandparents, and she wanted to make sure if she

> > died, that I would

> > have some money. Well what I want to know is my

> > uncle is now her

> > POA, I am her 2nd POA...today he said he was going

> > to see about

> > getting on that checking acct. I know before when

> > she first got sick

> > he tried, and they told him no. But now that he

> is

> > her POA can he

> > get on that acct? My aunt never put him on it to

> > start with, she put

> > me on it alone for a reason. Now he wants to try,

> > and get on it also

> > so he can write checks on her acct. He went to

> > social security

> > today, because they need someone as POA. Her

> checks

> > are automatically

> > put in her acct so I am unsure why they need a POA

> > if only it is

> > because they are getting back that refund check in

> > May that President

> > Bush approved...but then my uncle said it could be

> > also for her

> > checking account since her SS goes into that acct.

> > I need your help

> > here, and I can't call the bank it's closed so I

> > want to know if

> > anyone knows out there can he get on that acct

> even

> > though I am on it

> > with her, because he is her POA? I just don't

> think

> > he should be

> > able to since I am also the acct holder besides my

> > aunt, and I am

> > alive and well! Any help would be much

> appreciated!

> >

> >

> > ------------------------------------

> >

> > Welcome to LBDcaregivers.

> >

> >

[Guest guest]

>

Hi Gladys what do you mean by representative payee? He went to see

SS about the check that you have to file to get the rebate check. He

told me they needed a POA so I am thinking he meant for that rebate

check that is suppose to be coming in May. But then he mentioned our

banking acct. she and I have together. If he can get on it without

my approval I am going to be upset, I don't think he should when she

never had him on it in the first place. I know he is her POA, but

that shouldn't give him a right to our joint acct.

> Since its a joint account in your name and hers, I don't see how he

can get

> on it.

>

> Also, what's with the POA and Social Security? I went down there

to do

> something for my Mom a few weeks ago and they said they don't honor

POA's.

> Is he trying to become her representative payee?

>

> Gladys

>

> -- Legal banking question need your help??

>

> I have a question about being on my aunts checking account. Years

> ago, before my aunt got sick, she put me on her checking account

when

> she was in good health. For the reason I help take care of my

> grandparents, and she wanted to make sure if she died, that I would

> have some money. Well what I want to know is my uncle is now her

> POA, I am her 2nd POA...today he said he was going to see about

> getting on that checking acct. I know before when she first got

sick

> he tried, and they told him no. But now that he is her POA can he

> get on that acct? My aunt never put him on it to start with, she

put

> me on it alone for a reason. Now he wants to try, and get on it

also

> so he can write checks on her acct. He went to social security

> today, because they need someone as POA. Her checks are

automatically

> put in her acct so I am unsure why they need a POA if only it is

> because they are getting back that refund check in May that

President

> Bush approved...but then my uncle said it could be also for her

> checking account since her SS goes into that acct. I need your help

> here, and I can't call the bank it's closed so I want to know if

> anyone knows out there can he get on that acct even though I am on

it

> with her, because he is her POA? I just don't think he should be

> able to since I am also the acct holder besides my aunt, and I am

> alive and well! Any help would be much appreciated!

>

>

> ------------------------------------

>

> Welcome to LBDcaregivers.

>

>

[Guest guest]

I haven't looked at the POA in a couple years he has it filed away.

But the thing is it is a joint acct. and I can write checks she

doesn't have to write also it can be either or. I know he tried a

few years ago to get on it, and the bank told him no. But since he

became her POA I wasn't sure if that could have changed.

>

> > Since its a joint account in your name and hers, I

> > don't see how he can get

> > on it.

> >

> > Also, what's with the POA and Social Security? I

> > went down there to do

> > something for my Mom a few weeks ago and they said

> > they don't honor POA's.

> > Is he trying to become her representative payee?

> >

> > Gladys

> >

> > -- Legal banking question need

> > your help??

> >

> > I have a question about being on my aunts checking

> > account. Years

> > ago, before my aunt got sick, she put me on her

> > checking account when

> > she was in good health. For the reason I help take

> > care of my

> > grandparents, and she wanted to make sure if she

> > died, that I would

> > have some money. Well what I want to know is my

> > uncle is now her

> > POA, I am her 2nd POA...today he said he was going

> > to see about

> > getting on that checking acct. I know before when

> > she first got sick

> > he tried, and they told him no. But now that he is

> > her POA can he

> > get on that acct? My aunt never put him on it to

> > start with, she put

> > me on it alone for a reason. Now he wants to try,

> > and get on it also

> > so he can write checks on her acct. He went to

> > social security

> > today, because they need someone as POA. Her checks

> > are automatically

> > put in her acct so I am unsure why they need a POA

> > if only it is

> > because they are getting back that refund check in

> > May that President

> > Bush approved...but then my uncle said it could be

> > also for her

> > checking account since her SS goes into that acct.

> > I need your help

> > here, and I can't call the bank it's closed so I

> > want to know if

> > anyone knows out there can he get on that acct even

> > though I am on it

> > with her, because he is her POA? I just don't think

> > he should be

> > able to since I am also the acct holder besides my

> > aunt, and I am

> > alive and well! Any help would be much appreciated!

> >

> >

> > ------------------------------------

> >

> > Welcome to LBDcaregivers.

> >

> >

[Guest guest]

Yes she made that clear when she put me on that it was for that

reason after her death I was to get what remained. She was in very

sound mind when her & I went to the bank years ago to open it. I

write checks for her out of it now, but I do not touch her money

other then that. He wants to be able to go to town and cash checks

himself, instead of me always writing what she needs and just writing

it to cash.

> >

> > > Since its a joint account in your name and hers, I

> > > don't see how he can get

> > > on it.

> > >

> > > Also, what's with the POA and Social Security? I

> > > went down there to do

> > > something for my Mom a few weeks ago and they said

> > > they don't honor POA's.

> > > Is he trying to become her representative payee?

> > >

> > > Gladys

> > >

> > > -- Legal banking question

> > need

> > > your help??

> > >

> > > I have a question about being on my aunts checking

> > > account. Years

> > > ago, before my aunt got sick, she put me on her

> > > checking account when

> > > she was in good health. For the reason I help

> > take

> > > care of my

> > > grandparents, and she wanted to make sure if she

> > > died, that I would

> > > have some money. Well what I want to know is my

> > > uncle is now her

> > > POA, I am her 2nd POA...today he said he was going

> > > to see about

> > > getting on that checking acct. I know before when

> > > she first got sick

> > > he tried, and they told him no. But now that he

> > is

> > > her POA can he

> > > get on that acct? My aunt never put him on it to

> > > start with, she put

> > > me on it alone for a reason. Now he wants to try,

> > > and get on it also

> > > so he can write checks on her acct. He went to

> > > social security

> > > today, because they need someone as POA. Her

> > checks

> > > are automatically

> > > put in her acct so I am unsure why they need a POA

> > > if only it is

> > > because they are getting back that refund check in

> > > May that President

> > > Bush approved...but then my uncle said it could be

> > > also for her

> > > checking account since her SS goes into that acct.

> > > I need your help

> > > here, and I can't call the bank it's closed so I

> > > want to know if

> > > anyone knows out there can he get on that acct

> > even

> > > though I am on it

> > > with her, because he is her POA? I just don't

> > think

> > > he should be

> > > able to since I am also the acct holder besides my

> > > aunt, and I am

> > > alive and well! Any help would be much

> > appreciated!

> > >

> > >

> > > ------------------------------------

> > >

> > > Welcome to LBDcaregivers.

> > >

> > >

[Guest guest]

Isn't that Rebate Check coming out through the IRS? It will automatically

go to all those who filed taxes this year. So, if a tax return was filed

for her, there is nothing he has to do.

A representative payee is someone who collects your check on your behalf

with the intent of using it to care for you. The check will be made out to

them instead of to you, but it will say " payee for.... " after their name.

I don't think he legally has a right to your joint account. If it was her

account and your were listed as POA, then he might be able to get his name

added, but he can not have his name added to a joint account without your

permission.

I know this for a fact because my sister and I just went through it.

Gladys

-- Legal banking question need your help??

>

> I have a question about being on my aunts checking account. Years

> ago, before my aunt got sick, she put me on her checking account

when

> she was in good health. For the reason I help take care of my

> grandparents, and she wanted to make sure if she died, that I would

> have some money. Well what I want to know is my uncle is now her

> POA, I am her 2nd POA...today he said he was going to see about

> getting on that checking acct. I know before when she first got

sick

> he tried, and they told him no. But now that he is her POA can he

> get on that acct? My aunt never put him on it to start with, she

put

> me on it alone for a reason. Now he wants to try, and get on it

also

> so he can write checks on her acct. He went to social security

> today, because they need someone as POA. Her checks are

automatically

> put in her acct so I am unsure why they need a POA if only it is

> because they are getting back that refund check in May that

President

> Bush approved...but then my uncle said it could be also for her

> checking account since her SS goes into that acct. I need your help

> here, and I can't call the bank it's closed so I want to know if

> anyone knows out there can he get on that acct even though I am on

it

> with her, because he is her POA? I just don't think he should be

> able to since I am also the acct holder besides my aunt, and I am

> alive and well! Any help would be much appreciated!

>

>

> ------------------------------------

>

> Welcome to LBDcaregivers.

>

>