During routine account monitoring I noticed 3 personal accounts recently opened for the same individual- each account having a different POD. The opening deposit for all three accounts was one single "large" check payable to a trust with the trustee's name listed on the payee line- The Mickey A Mouse Trust Account, Minnie Mouse Trustee. Minnie Mouse endorsed the check "Mickey A Mouse Trust, Minnie Mouse Trustee, under that endorsement she endorsed the check again as Minnie Mouse. The check was then deposited into the 3 personal accounts in her name. I don't think this passes the smell check and the large check should have been deposited into an account belonging to the trust- then as trustee she could have issued checks. If you saw this activity at your FI would you be concerned?