This may come down to how your signature card denotes account ownership, how long you retain your signed change forms, and your record retention/filing system. At my institution, we obtain new signature cards for the account when there is any change in account ownership or beneficiaries. Our signature card indicates the type of ownership for the account (e.g. single party with POD designation). We also use our signature card to track who the beneficiaries are. It allows our CSR to find the account ownership and beneficiaries in one place instead of having to look at several different forms. It is especially helpful to have the information available on the signature card should the system happen to be down when you need to determine ownership/beneficiaries.
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AMXSteve