In our current procedures, we have a field on our Core processing platform in which we code deposit accounts if they name someone as payable on death. We also create a personal information file for the POD and add them to the account in indirect relationships. The only reason I think we are coding these a special code is if we ever need to pull a report to know what accounts have someone names as payable on death, but I have never had to pull a report...... I was wondering if anyone knew of a reason that the bank needs to keep coding these for a specific reason. It's a headache to the people that maintenance it and if it is not necessary, I would like to discontinue the procedure....