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I have general POA for my elderly mother who has Alzheimer's. I recently went to the bank to open a CD for her. The personnel told me my POA was not good for this , that we had to do one on the bank's legal docs and have my mother come in and sign it !! I ended up bringing her in, she was quite confused as she does not understand finances any more, and I still do not understand why my POA was not good...it states that it is for everything and spells it all out, including CDs !! I even asked her'what if my mother was in a coma ? she wouldn't be able to sign then, could I not even handle her finances ?' The girl didn't have an answer. This was CITIBANK.