Is it my signature, an attorney's signature, or the notarization. Can I make a simple limited POA (no attorney) and just get it notarized? Can a bank insist that the document have an attorney's signature? If it is a legal document, can a bank unilaterally decide just not accept it?
Estate Planning Attorney
Texas has a Durable Power of Attorney Law that sets forth what is to be in a POA. If you follow that law (I wholeheartedly recommend you hire a lawyer to do so) you should not have a problem getting the bank to accept the POA since all of the big banks had input on what the law was going to say.
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A bank does not have to accept a POA.
My mother's bank would only accept a POA on their letterhead that was notarized by one of their tellers. That was their legal department's policy.
A bank does not have to do business with you. You are free to take your business elsewhere.
I hope this information is helpful.
I recommend that you use a probate or elder law attorney to assist you. Trying to "do it yourself" usually is a mistake. Estate planning is complex and can cause all sorts of unexpected problems. Please don't try to save a nickel -- it usually costs $10 to fix a nickel problem!
Just stop. These are inexpensive documents that should be drafted by an expert, namely, an estate or elder law attotrney. There is a skill involved in doing them and knowing what the law requires. Get an expert and do this now.
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Estate Planning Attorney
The bank has the right to have requirements before accepting certain documents.
You have the choice on who you do business with.
The answer given does not imply that an attorney-client relationship has been established and your best course of action is to have legal representation in this matter.