When you’re appointed as an attorney, the donor (the account holder) will decide what you can and can’t do with their accounts.
This can include:
Cards and chequebooks.
If we issue you a card, we’ll need to cancel the one held by the donor. That’s because there can only ever be one card in use.
However, you can both hold chequebooks. The donor will need to let us know if they want their chequebook cancelled.
When a general power of attorney is registered with us, the donor can choose which address they’d like all future mailings to go to.
Savings account statements can only be sent to this address.
However, current account statements can be sent to more than one address, so you and the donor, and any other attorneys if there’s more than one, can receive them.
If the donor is unable to use online banking, we will consider providing you with online banking access. The donor should contact us so that we can talk through and assess the situation with them.
You can manage the donors card and make repayments to it.
You can make payments to the donors mortgage and help manage it on their behalf.
A power of attorney agreement allows an attorney to deal with the donor’s mortgage and property, unless they have stated otherwise within the document. Please talk to us to find out more.
What you’re not allowed to do
Attorneys are not allowed to:
- Run up an overdraft on the donors accounts
- Make payments using the donors credit card
- Take out a loan in the donors name.
Safeguarding and security
You must always act in the donor’s best interests. For their protection, we may sometimes refuse transactions or contact the donor to discuss them.