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This is a good observation . I have sort of noticed this too. In past years I helped my dad enter beneficiary information on his various accounts. In general, I just had to help him sign onto online account, and it was easy to enter the info. I guess the bottom line is that it is a good practice to verify beneficiary information periodically in case of any fraud.
On the opposite end of the spectrum, getting added on to a bank as a POA (while the principal is still alive) can be very hard at times. We made the mistake of not adding my brother and I on as POA' s onto the actual banks until after my dads mental and physical decline. We have an executed POA document and letter of being incapable of doing his own banking from his doctor, but some banks are making it a real hassle. I read somewhere that some people have gone to the courts in some cases to get the courts to force banks to comply. I havent had time to reach that stage yet. But apparently that can work , the states do want legitimate POAs to be able to conduct necessary banking business. I guess the banks are so afraid of fraud that their processes are so tough?
Hi Calvin - I'm not sure how to specifically answer this. Maybe more info is needed. What specifically is your situation - and what are you trying to accomplish??
On your own account? It's quite simple usually, however you wish to do it. Generally, for me, when changing beneficiary I am given papers to fill in on my accounts. I suspect that different banks and savings and loans and credit unions have different rules. Do give them a simple phone call. They are the ones to ask, not a Forum of strangers from around the world. Wishing you good luck.
My concern is that knowing how simple it is, an unscrupulous person could change the beneficiary to themselves, without anyone else realizing it. If it was done from their computer, how could anyone prove fraud? (And yet I can't get my ex husband off my checking account without his cooperation, or going to court.)
well, they would need your login and password correct? but that is all. With that said, it may not be a bad idea to check beneficiary status regularly
For someone post divorce, if the ex spouse has passwords to stuff that they no longer have a right to access, then changing passwords is key. If that is your point. An ex spouse who has a password to your account could later change stuff on it.....
I think that when I helped my dad do this, he did get some emails confirming that a change was made. But this could be variable..... the OP has a valid point that this is a potential vulnerability area
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
On the opposite end of the spectrum, getting added on to a bank as a POA (while the principal is still alive) can be very hard at times. We made the mistake of not adding my brother and I on as POA' s onto the actual banks until after my dads mental and physical decline. We have an executed POA document and letter of being incapable of doing his own banking from his doctor, but some banks are making it a real hassle. I read somewhere that some people have gone to the courts in some cases to get the courts to force banks to comply. I havent had time to reach that stage yet. But apparently that can work , the states do want legitimate POAs to be able to conduct necessary banking business. I guess the banks are so afraid of fraud that their processes are so tough?
It's quite simple usually, however you wish to do it.
Generally, for me, when changing beneficiary I am given papers to fill in on my accounts.
I suspect that different banks and savings and loans and credit unions have different rules. Do give them a simple phone call. They are the ones to ask, not a Forum of strangers from around the world.
Wishing you good luck.
(And yet I can't get my ex husband off my checking account without his cooperation, or going to court.)
but that is all. With that said, it may not be a bad idea to check beneficiary status regularly
For someone post divorce, if the ex spouse has passwords to stuff that they no longer have a right to access, then changing passwords is key. If that is your point. An ex spouse who has a password to your account could later change stuff on it.....
the OP has a valid point that this is a potential vulnerability area