I do not have POA for my Mom who is incapacitated. I'm an only child and sole inheritor. She has a checking account with a US bank where pension payments are accumulating. She is an immigrant to the US and returned to Europe at retirement in 1990 to be with family and friends. I have her in a eldercare facility there where my cousins can look after her and am paying for 24/7 nursing care with my own funds. She is no longer capable of travel. The bills are high and without a POA I can't use her funds to help. The bank asked me to bring her to their office in a city which is a plane ride away - basically an undoable and ridiculous request - in order to have her request access for me.