Wisconsin's laws on POD accounts are complex. I've given them a once-over and see no affirmative obligation for the bank to seek out beneficiaries. The language of the statute seems to put the onus on the beneficiary to contact the bank. But I think you'd be wise to have someone contact legal counsel for an opinion on your question.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8