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Hi this place is awesome for support & information so here I go again. I've read a lot of banks try not to honor springing Power of Attorneys even with the required doctors certification. I'm wondering if anyone has had no problems with their bank accepting one recently. I'm in California & she has W.F. & it seems they are up there as worst to accept. I want to close the accounts & open somewhere else before the reverse mortgage funds so any tips & recommendations would help. Have my hands full w/mom right now so I haven't even tried going into the branch. Prefer to avoid that drama if possible. Thxs

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Ok Looks like I should atleast try. Thanks for your experiences it gives me hope.
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Yes.. my parents bank gave me a hard time. POA was drawn up by an elder attorney in Texas where I live and bank was in Oklahoma. The OK branch denied my POA saying it was not detailed enough (wanted specific account numbers). The OK bank had a branch in TX. I took POA to the Texas branch (same bank).. and they accepted it no question.

Fortunately, I was already on the lock box at the OK bank so I was ok to go in there.. otherwise I would have had a problem still with the OK bank with the POA and getting into the lockbox.
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I'm also in California with WF bank and a POA drawn up by a California estate planning atty. Yes, WF did require a doctor's letter certifying incapacity along with the POA but once I supplied that, they were cooperative. I've also run into financial institutions requiring incapacity letters from two doctors, and have also needed to have my signature notarized along with using a POA. So, yes, it's not unusual for the various financial institutions to have their own requirements in addition to a POA.
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I had zero problems which I believe was because the Power of Attorney was drawn up by an Elder Law Attorney which had all the required language which allowed me to deal with all sorts of financial issues for my Dad. Not once in any situation where I needed to present the POA was I questioned. Not even when it came time to sell my parents' house or go to closing.

I did bring my Dad to the old banks when closing out all his accounts, and to the new bank to open the new accounts.  Plus to also put my name on the accounts so I could write checks for my Dad.  My Dad had too many accounts scattered and I wished for him to narrow it down to one bank. So he choose the bank closest to his house which had better handicapped parking.

My Dad was still able to answer the bankers questions even though he had mild dementia. The bank we used was SunTrust.
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