I was on my kids’ accounts since they were established more than 20 years ago (they were babies). One daughter is fine with it and has left me on her account as a co-owner. Our credit union changed their computer system more than a year ago so her account comes up when I pull up my account. I can look if I want to, but I usually don’t.
Other daughter still has her original account but wanted me off. Doesn’t make much difference. I can still deposit into her account but I’d have to add her number to the transaction. If she dies, I doubt she has a POD listed so it would go to her estate, and require probate.
My parents knew all the tellers and bank officers, but the lobby hasn’t been open much this year. I don’t go in much. In fact, we all still used this credit union when we lived out of state for 5 years and did everything by direct deposit, ATM, and mail. I’ve been a member for 35 years.
When my father died, it was very easy to deal with the credit union as my mother was a joint owner on all accounts except one. When they had a systems change that one didn’t cross over correctly, but the CU just worked with us to close it out. We learned that it was very important to have a POD that wasn’t ‘estate’, so she went down and listed my brother on her accounts. We didn’t care who was listed, just that it be one person. She and my brother co-own her house, so it made sense for him to be listed as POD.