The account that is already in the name of the sister can be accessed by that sister to pay bills because her name was on the account before incapacity. If you want to add additional names on the account you must get all three names listed on the power of attorney to sign. This is overly complicated though and defeats the purpose of the power of attorney. The account is liable for debts and creditors of any the sisters. If there are no concerns about abuse or trust you may want to get the power of changed so that any sister can access accounts without all signatures so it is easier to pay bills and the names are not on the accounts.
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This answer is for informational purposes only. This answer does not constitute legal advice, create an attorney-client relationship, or constitute attorney advertising. Evan Guthrie is licensed to practice law throughout the state of South Carolina. For further information visit his website at www.ekglaw.com <ekglaw.com>.
Your mother would have had to consent to adding your sister as a third POA and requiring that all three signatures be obtained instead of just any one of the three signatures. Although this is not very expedient due to the logistics of obtaining all 3 signatures, it does provide a measure of security that no one person could dilute your mother's assets which may ultimately become an inheritance through her estate.
Your mother can permit that the signature of any one of the three POA's be sufficient to write a check.
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