AboutShane Expertise Hello, my name is Shane. I currently work at a financial institution in customer service and sales. I am able to answer most questions you have regarding banking products and services, how to use them, and what products may benefit you best. I can also help you to weigh the risks of various types of savings vehicles such as questions pertaining to CDS, money market accounts, etc. Feel free to ask and I promise I will do the best I can to answer.
Experience Customer Service and Sales call center experience. Assists in training new hires for customer service. Well versed with FDIC policies, banking compliance laws, and a wide variety of product knowledge.
Organizations American Association of Medical Assistants
Education/Credentials High School Graduate and Medical Assisting Diploma
Awards and Honors Significantly exceeds expectations annual review from the bank I presently work at
Question My husband's father recently died and my husband is trying to take care of
his finances. His mother is still living and holds these accounts jointly,
however she is out of the country on a burial/mourning related extended
period of time as all of her children live in the Philippines. One account in
particular, only used for deposits from the person renting their old duplex,
has a negative balance. The account will be charged overage fees and it is
difficult to deposit monies into this account as it is out of state. Any way we
can close this either not involving his mother or via electronic means with his
mother? The bank is being less than helpful. Thank you.
Answer unfortunately only the signer of the account is able to close it, which in this case would be his mother. the only way you husband could do it is if he was assigned power of attorney that states he can terminate contracts. The bank is only doing their duties of protecting the account. It is very illegal for them to even discuss the account with you if you are not a signer.
