Here I go again, with a sticky situation.

On a Representative Payee account, the individual is listed as the owner of the funds but does not have withdrawal rights. How can we prevent the customer from coming in and withdrawing funds if he/she is listed as owner? How are the tellers suppose to know not to dispurse funds to the owner(s)? I suppose we can put a status code on the account informing the remaining staff on the situation, but I want to see if anyone else has any ideas or suggestions.

Our system information shows that the account is representative payee and our tellers look at the signature card to determine transactional authority. The actual owner does not sign the signature card. Only the fiduciary signs. I guess it's primarily a matter of training the tellers about representative payee accounts.