If you have Dave McGuinn's SDB manual, check out pages 15-5 and 15-6, for the liability issues with accepting POA's for SDB access. If you do not have his manual, PM me and I'll e-mail you the pages.
These of course are no subsitute for your bank's policies, but they might be a good resource.....
And as always, refer to your state specific code, which may also provide guidance in these situations.
Last edited by R Banker; 08/06/09 06:36 PM.
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My comments are absolutely no reflection of, nor influenced by, my employer - take them at your own risk.