Q: How can I claim a P.O.D. bank account in Missouri remotely?

A: You can claim a P.O.D. account without traveling to Missouri by working with the bank remotely. To claim the funds, you'll need to provide proper identification (your driver's license) and a certified copy of the death certificate. Since your relative has already provided the death certificate to the bank, you're halfway there.

For the remote process, contact the bank directly and ask about their specific requirements for remote beneficiaries. In Missouri, claiming ownership of a P.O.D. account is generally straightforward, and the state typically allows beneficiaries to claim assets immediately without waiting periods that exist in some other states. Many banks have procedures for remote verification that might include notarized documents, video verification, or working with a local bank branch near you in Nevada to verify your identity.

Consider asking the bank if they can mail you the necessary forms or provide them electronically. Then have these documents notarized locally and return them with a copy of your driver's license. If the bank insists on in-person verification, you might ask if you can complete this at a branch of the same bank in Nevada, or if they'll accept verification through a notary public or even a video call. While consulting with an attorney familiar with Missouri banking regulations could be helpful as the bank suggested, you may be able to resolve this directly with the bank by explaining your inability to travel and requesting accommodation.