The bank will not let me transfer my mom's money because she does not have a valid ID. What are my options?

Asked by TreadingWater  |  Oct 14, 2011

My mom is in a ALf and ALL of her mail including medicare, banking, and S/S statements are sent to my homeI. I have POA for her as well as medical POA. The problem is that her mailing address is my house and not the ALF.. She has an expired driver's license from out of state and no State ID from where she is now. There is nothing that has the ALF's address on it. I recently tried to open a savings account in her name to put in money that I cashed in from a matured CD of hers-----The bank would not allow me to set up an account because she has no driver's license or state ID---they could not use her SS on the form.......She has advanced dementia and can not imagine bringing her to the SS office to get a state ID.......At the end when her time comes am I going to have a problem with this......What do I do about it? Help!!

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Carol Bradley Bursack, Oct 14, 2011

Over the span of two decades author, columnist and speaker Carol Bradley Bursack cared for a neighbor and six elderly family members. Because of this experience, Bradley Bursack created a portable support group, the book "Minding Our Elders: Caregivers Share Their Personal Stories."

 

For most things, I don't think you'll have an issue. I used my address for my mother's mail, simply because it was more secure. I didn't have to open anything new. If she has a checking account, you'd think the same bank would easily open a checking account, especially with your POA. If you are dealing with another bank of course, you are starting from scratch.
Anyway, in my opinion and experience - and that's all I am going on, so you may want to check in with an attorney to get clarification - having my mom's mail come to my home never gave me any problems with the legal things and her death. I had POA, as you do. I'm surprised you are having trouble since you have that. Anyone else out there have this happen?
Carol

 
 

virginias55

Give a Hug

Oct 14, 2011

I can understand why the bank would not open the account in her name alone, but would they not allow you to open a joint account with you as the primary account holder?

 
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