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Getting that now would look suspicious, so Grandma needs to go into her bank and at least sign the banks paperwork that allows you access to her account and then-you can only do limited things.
I attend to my Mom's financial things but at her bequest and I have gotten to know most of the people at her bank quite well but there are still some legal documents that need her attention that only she can do, and this is because she refuses to give me DPOA.
Good luck.
Word of warning: if your grandmother stays alive long enough to need long-term care and she will need assistance to pay for it -- meaning Medicaid, before she is given that assistance, Medicaid will demand to see every transaction that has occurred in her bank account over an EXTENDED amount -- they could go back 5 years. It can be an ugly audit of accounts and your grandmother could be denied assistance for these financial "gifts" (mishaps?).
The best you and your mother can do for your grandmother is to not touch her bank accounts and don't ask for money from her. It's harsh, I know, but that is truly the best action to take at this point.
If she does have mild dementia, I would advise OP to have Grandma hire an attorney to fight for the her and the family. Assuming the transaction was as innocent as described.
That the bank in their due diligence reported that after Mum had POA on Gma's accounts, an unusually large sum was removed from Gma's account, is a good thing.
OP should be hiring her low lawyer to help her. To have Gma's funds used to hire a lawyer to defend OP is once again misuse of her funds and digging a bigger hole.
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