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They should do the following:

a. Prepare/Arrange for documents from a certified medical practitioner that you have become mentally incompetent

b. They should take documents that show that you are the family member of the other person who wishes to access your account. Your spouse, children, parents and siblings can try that

c. Take both the above documents and visit the bank and explain the situation.

In most cases, the bank will let them take the money from the account which was held by the person who is declared mentally incompetent now.

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Q: If you become mentally incompetent without a power of attorney how can your family get to your bank accounts to pay your bills?
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