What do you do when a court appointment of co-executors or a trust document with co-trustees is styled with "and" in the title and doesn't specifically say the co-appointees can act independently? We do not typically monitor for "two signatures required" directives and do not permit consumer accounts to be styled this way. Are you monitoring for two signatures? Refusing to open the accounts? Another alternative I am not thinking of?

Thanks!

Our understanding is that if it doesn't expressly give the co-trustees the authority to act independently, then it requires both/all.

Our policy is to not open accounts that require multiple signatures, so we would turn it down. We don't have the systems to monitor/catch those kinds of things, and don't want to bother with them!