If you have power of attorney can you make bank transactions without the individual being present?

Yes, that's what the POA is for - unless there is some specification in the POA against it.
Generally people appoint a POA to pay their bills and take care of financial transactions if they can't do it themselves. The bank will want a copy of the POA so you can do this. Just take a copy with you the first time. Sometimes they want an original (generally the person signs a few "originals" with a fresh signature, but generally a copy will suffice. Take care,
Carol

Hey they should call it PTS ( Power To Steal ).