If it were a couple of months ago, the bank employee who processed the application might remember you and your mother. If that is the case, the employee can verify to the manager that your mother signed the request to change the account information. If you have no luck, your best bet would be to take your mother's check book to your mother and have her write checks to you. If the signature cards don't match, the bank won't process the application.
If your Mom is not capable of changing her account, I hope you have a power of attorney which would allow access to the account. If you don't have a power of attorney, you may have to file a guardianship proceeding so that someone can be appointed guardian and use her money to get her the assistance she needs.
Guardianships are expensive. However, it may be your only option now. I can't stress enough how important it is to plan for your own incapacity and for the incapacity of your parents and loved ones. A trust or a power of attorney will save you thousands of dollars in attorneys' fees in the event of incapacity. If your mom recovers her capacity, please tell her that she needs to see an estate planning or elder law attorney right away.
Christopher Q. Wintter
Wintter & Associates, P.A.
2239 Hollywood Boulevard, Hollywood, FL 33020
Phone: 954-920-7014 Fax: 954-920-7080
Board Certified Trusts and Estates Lawyer
If your mother was present at the bank when the signature cards were signed, the bank employee who accepted the cards should be able to assist you. You may also want to speak with the branch manager.
You did not say what your mother's illness is, if she is mentally competent she should sign a Power of Attorney. If she is not mentally competent, depending on her prognoses, you may want to find another source of funds while you wait and see if she improves or you may want to consider a guardianship. Seeking a Guardianship can be a lengthy and expensive undertaking. Be sure to speak with a local estate planning attorney to explore your options.
Answer does not constitute legal advice. (727) 471-0039 or firstname.lastname@example.org, This answer is provided for informational and/or educational purposes only, does not constitute legal advice, and does not create an attorney-client relationship. Adam is a Florida Attorney practicing in areas of Estate Planning, Elder Law, Trusts, Probate, Guardianship, and Business Law. Actual legal advice can only be provided after completing a comprehensive consultation in which all of the relevant facts are discussed and reviewed.