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JenJen24 Asked August 2024

Can I get a reloadable debit card for my mom and have her name on it, yet I oversee it and reload it?

Mom has severe short term memory loss. I am POA on her bank account and frequently have to clean up dozens of random purchases she’s made and forgot/denies that she did. Example: political donation texts, antivirus subscriptions, the list goes on. Her testing diagnosis stops short of being dementia. Could I get her a reloadable card with her name on it but oversee the transactions and reloads?

JoAnn29 Aug 2024
My nephew has a debit card thru Social Security. Each month they refill the card. He has an app he can go into and see how his has spent his money. I think kost cards have this ability. Personally, she can no longer handle her money. Time for you to take over.

Beatty Aug 2024
Sounds like all spending now needs supervision.

Your idea of having a small amount on a preloaded card for Mom to 'blow' could work well. This could keep Mom able to shop (a little) but also protect her funds.

BUT it's not just money that is given away online or over the phone. It's identity.

Security awareness is needed to be safe. Otherwise big risks open up to fraud.

There may need to be more passwords & restriction added all round.

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MeDolly Aug 2024
Get a prepaid card in your name add her as a user, the card will have her name on it.

AlvaDeer Aug 2024
Speak with your banker about this. If you are POA and you are involved and on her accounts I am certain something can be arranged.

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