May the Guardian of an account add joint and/or authorized signers to a guardian account without a court order?
If an account title does not specify AND or OR, which is to be assumed? I was always taught that OR should be assumed and that either owner could sign.
A primary account holder removed the joint owner from the account. Can the now Ex-Joint Owner request past account statements for the time period that she was on the account? Keep in mind that the account is still open by the primary but now as a single party account. Also, the Ex-Joint Owner is still a member of the CU with her own account.
I've looked in the NCUA Bylaws and R&R but couldn't find anything specific that would say it's permissible or not permissible to provide the ex-joint owner with copies of past account statements while she was on the account. I've also consulted with our attorney and they feel its permissible; however, I asked them to provide me with supporting documentation. They are now doing further research. I also reviewed our internal bylaws, policies & procedures, and membership and account agreement and could not find anything specific to this issue.