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Debit Card on Representative Payee Account

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Question: 
If a debit card is issued to a representative payee and the rep payee allows the protected person to use the debit card will the bank be liable for this use should a disagreement between the two parties arise over withdrawals?
Answer: 

I'm not sure I understand the question. In my experience debit cards are issued to account owners. Is the "representative payee" an authorized signer here? I want to ensure we're using the same terminology. I would suppose a card could be issued here as this person has the authority to make withdrawals.

"... the rep payee allows the protected person to use the debit" is the protected person the account owner? Suffice it to say that I believe if the person who was issued the debit card did the transaction, benefited from the transaction or authorized it, it isn't going to be a valid claim. If the owner and signer have a disagreement later, was the bank notified that the signer's card should be invalidated? If not, no claim for transaction that person did.

First published on BankersOnline.com 10/15/07

First published on 10/15/2007

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