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If she already has a bank account set up, the funds can still be deposited in it until you open a new account. We didn't have to do this with the step father as his bank has branches all over the USA so all we had to do is change the mailing address.
Can she make your sister her rep payee so sister can receive the SS checks?
If mom needs a valid gov’t issued ID, I take it she doesn’t have her social security card and birth certificate with her in New Mexico? Order new documents and have them sent to sisters house & sister can take mom to the DMV to get a New Mexico photo ID.
There are rules that seriously impose restrictions on the rep payee not being able to let the recipient have any control over their money. Then there is an annual accounting that needs to be done.
There is a time and a place for rep payee. But I am not sure this is one of those.
You don't need utilities in your name, just mail with the address shows residence.
Federal regulations require ID must be government-issued with photo. SS card states NOT FOR USE OF IDENTITY OR LAMINATE and does not have her photo. SS is a government department but banks will not accept to open accounts.
There isn't any reason to close out bank accounts due to a move. They only need to change the address on the checks and notify creditors, insurance, etc of their new address.
My accounts have followed me all over the country.
Suggestion would be to speak with the department head for new accounts. Explain the situation and ask how can YOU HELP HER get an account open? If the bank you are taking her to is your bank, do you have a banking relationship that is in good standing? That may, stress may, help.
This could fall under, it's not what you know, but WHO you know ;).
We were able to get the other state's bank to add a POA name to the account when we registered the POA in that county and mother signed bank POA in person. POA also had to be present and sign. But if the bank has online checking, you can probably pay bills out if it from afar without Mama's signature.