Originally Posted by
blueeyetea
But Zonny, you have to look at it from the point of view that with the POA, you have access to all her money, which is different than filing her taxes and signing documents at the hospital. Without proof that she's incapacitated with a medical certificate, anyone could show up at the bank with a POA and wipe your mother's account out. The bank has a duty to protect their clients and themselves from fraud.
Just as an example, my husband had his bank account wiped out by someone who showed up at the bank claiming she was his wife. He wasn't married at the time (although I'm positive it was his ex-wife). The bank had to no choice but to suffer the loss and reimburse my husband.