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If Mom is competent, the POAs are not even in effect. Even though my Moms was immediate, I used it as a tool to help her. She was good at asking for help when she needed it. But she made all her decisions until she couldn't, then I took over. If your Mom can make informed decisions then you can take her to the bank and have your name placed on her acct. And why there, have it made where u and brother are beneficiaries, POD, so her acct does not need to go thru probate.
Read your POAs carefully to see where u stand.
He should willingly show you anything that you want to see. I would view this as a red flag.
Good luck getting to the bottom of what’s going on.
For you to get access you will need to take your PoA documents and your Mom physically to the bank to add you to the account. Once you get eyes on what's been happening to her money, then you can decide to take this evidence to an attorney.
If you live 9 hours away from your brother how do you know he's "shopping more than usual"? If you're getting all the information about this activity from your Mom, please know that if she is at the beginning of cognitive decline and short-term memory problems, what she is telling you may not be accurate. Been there, done that with my MIL.
Your mother may need to withdraw all her funds to a new account if she is still able, and to have her SS sent to that new account.
See an attorney WITH YOUR MOTHER now.
If he finds he so declined that she cannot change things from this awful mess then you need to contact APS and tell them you fear that your brother is perpetrating fraud on your mother through his use of her account. They will investigate. If not then an attorney will, and this is paid for by the POA your mother already wrote.